1. Going to the dentist.
2. Going to the OB/GYN.
3. Being around my in-laws, except the one brother-in-law who is normal.
I would floss ten times and hit the stirrups daily if it meant I could avoid #3.
I avoided the dentist for multiple years because of a bad experience (oddly, something like 8 years of ortho appts were ok, it was a regular dental appt that made me bolt) and I do not recommend.
my fear and loathing would be getting out of bed for work on cold mornings (much better in the house with temps set by time...no more 60F bedrooms!)
having female issues at inopportune times
feeling a nasty headache coming on with no pills handy
social events where I don't know anyone terribly well
I'm sure there's more, but I don't recall. Phone calls used to be one but after a solid 6-8 months having to make a decent number of work calls, I'm pretty ok with it now.