Stalked in a Place of Safety - Attacks in a bathroom or other places in extreme privacy.
As someone who's always considered making a horror game but never had good enough ideas: this is really, really fascinating. I never considered this before, it such a simple concept but it makes so much sense.
It gives me the idea of having a "safe room" where no enemies can enter, it's a place to heal/rest/save etc but maybe later in the game an enemy unexpectedly bursts in which is totally unexpected because you were told this place was safe from them.
The only problem I have with this is that characters may be 'flat' and under-developed.
In that if you're only looking at the group, you're not considering the individual. What if one bandit is really reckless and ends up killing his group? What if a king in a far off land decides to wipe out those bandits? etc etc