Good you came in.
I was getting uncomfortable there for a minute reading those lol.
But seriously, Fallout 1 the characters themselves weren't so scary (except maybe the master because you actually got to see him talk in real-time) because everything is turn-based, and you have a moment to take a breather. But the places, now thats what made Fallout 1 have a scare/thrill to it. The Glow, the Cathedral, those were creepy as hell.
With the original Fallout it wasn't the characters that were scary for me because of the turn-based action, I was always able to take a breather and sort things out. However, in Fallout when you are moving through a place like the Cathedral, Glow, or Necropolis, that is when I felt the "scare/thrill" that some people like to relate Fallout with.
For example the Cathedral.
You never really get to see what the world would look like if the Master accomplished his vision when your out exploring the wasteland, you just get a sense of their ideals, and that, something behind them just isn't right. You enter the Cathedral, and a dark sense overcomes you, that behind this "pretty face" they put on for the rest of the world, something is not right, this is not all of their story, if any of it. You walk through the cathedrals main halls, passing in-between the rows of longchairs, looking at the walls which are painted black. Since the war, the paint has been neglected, it is chipping, peeling, yet it still remains. Just like the Unity and their plot, all this time, you have been chipping away at them, but one small piece still remains, holding all the rest together which must be purged. You then turn your head to the floor, as something is pulling you towards it. It is the dark feeling you got the moment entered this so-called "Cathedral", this is what is pulling you to the floor. There is a sodom below, and it must be purged. After you investigate, learning more, you gain access below the Cathedral.
There, when your slowly walking through its dark-halls, not running but walking, not because you are afraid you might stand out and they might see past your cover, but because you are so horror-stricken at the sights down there. The flesh hanging from what was once a place of cleanliness and (supposed to be) a place representing humanities will to thrive and push-on through all things, which has now been corrupted by an dark, unholy entity. Then you keep moving through the halls, and you feel as if you are looking unto the future itself. You think to yourself, is this what might become if the Master is allowed to succeed? Then you feel, out of all the horrible things you've seen in the Wasteland, all the death, drug addiction, people killing one another for next-to-nothing. Then you remember that what these scientists and these cultists are experimenting with, the FEV-2 virus, was of humanities own creation, then you think to yourself for a minute, maybe humanity isn't worthy of life, of existence.
Then... you start to remember the good in not only humanity, but in yourself. You remember Shady Sands, a community, while still struggling to survive, its people would give its last scraps of food to help one-another, though they may not like it, they do it anyways. You remember the Vault, home, and you remember what you are willing to do to protect it. You remember the good you came across through your journey, that, even in the times of darkness, when humanity had seem to all-but-lose hope, there was always a shining light in the darkness. Then you come to your own realization that, after all humanity has done to itself and everything else, after its own struggle to push on, it does deserve its own survival. After all, everyone deserves a second-chance, and what is humanities attempt to survive after a catastrophic disaster which they themselves caused, but not a second chance for them to pick up and try again, and learn from their mistakes. What is it but not, a second chance. Then you get, not a feeling, but a knowledge thrust upon you which you can't explain, that in this particular dark moment of humanity, YOU are the light shining through the darkness.
Then you turn your head back to the walls, which have flesh thrust upon, you look to the scientists, and then to the prisoners, not wanting to know what horrific experiments awaits them. You know what must be done. You continue down the halls to meet this "Master", and down the halls, the flesh seems to come to life, you feel as though your being watched. He knows your here. You arrive at the door, and stop for a moment. This is it. Whatever happens next, whatever you are about to meet, you know what must be done, and no matter what fate awaits you, you know this... thing cannot continue its plans. You lower your hand near your holstered weapon. Throw off your disguise, and enter the door, only to see the climax of everything you've already seen, the true destruction of humanity.