Mine came in the form of a six foot barracuda getting a bit too close for comfort. I am sure if I hadn't played it cool. Had somehow attacked or acted aggressively to shush it away (when I was a guest in it's deep sea domain). It would have enjoyed a nice lunch of fresh human flesh.
The second was going below the hard deck at 300 feet whilst diving the continental shelf in the Caribbean. It's stunning. Floating weightlessly over the void that drops suddenly over a mile in depth. Feeling the rush of frigid current rise from the abyss. And seeing mysterious shapes as light filters down into darkness. But I too ran low on air. And had to come up fast.
I haven't been diving in decades. And would require re-certification. But I've always heard legendary tales of the Red Sea and Australia's Coral Reef. Definite bucket list items ;)