That's clearly not what he means, so why bother posting.
I really really hated going into Vaults. Enemies, no enemies, doesn't matter, those were the creepiest things in the universe in my book. I also REALLY REALLY REALLY hate underwater in ANY video game, so I didn't enjoy getting to Pinkerton one bit. I think there was also a cave with a large underwater section? Or maybe that was New Vegas.
I don't handle scary too well though, so when I was new to the game I did get jumps from random enemies popping out from the dark and other sudden things like mines going off. I eventually got used to the general vibe of the game, making it easier on the nerves; it also helps when you mash the VATS button like a bitch to preempt anything that wants to jump you :P