Mine had to be when I was a noob. I left my character logged in at my place (didn't have claimstone yet), as I went to get a quick snack IRL. When I came back like two minutes later, the screen said someone wanted to be my kin. Apparently, he was also a noob who had stolen from my unclaimed area the other day, and didn't realize someone still lived there. Pretty good timing to find me afk for that quick snack break

Edit:
My biggest scare ever had to be when I was when I was beaver hunting about 3 minutes away from my base, and saw a player on the minimap nearby. I never saw a player near me before so I ran back to base, hauling ass. Then I logged on a 20 bile alt and went back to check it out, and as I walked up to the marking on the minimap, the player came into view - he was dead, body still cold. I believe this was before madness so I chalked it up to disease, as I don't remember seeing a scalp or scents. Still, this was a funny and scary experience at the same time. I put a sign down saying "RIP Swag Jenkins" or something for him.