What phobias do you have? I fall victim to a blend of phobias, none of which are terribly pleasant (fortunately, nor fairly common, save nyctophobia). Tell me if I'm misclassifing any of these. Also, none of them affect me in a virtual environment.
Acrophobia- Fear of heights. 12 feet is about how much it takes to trigger it. I will stay far away from any edges that could cause falling (even railing that doesn't go up to my chest).
Aviophobia- Fear of flying. Not too bad, but I avoid flying, despite rationally knowing it's safe. I feel this could be a result of acrophobia.
Cynophobia- Fear of dogs. Bad. If they're small, not so much,
but I have to know they're friendly, and large dogs that are friendly
are avoided when possible.
Nyctophobia- Fear of dark. Irrationally here, I will panic if I can't make out recognizable objects. Relaxed when among others, or in cases where there is no input (though a slight noise will trigger).
Pyrophobia- Fear of fire. I will avoid any open flame, or any pyrotechnics. I can enjoy fireworks, but I must be far away and not in a high-roofed building.
Radiophobia- Fear of radiation and X-rays. X-rays not so much, but any other radiation above the visible is avoided, assuming it's possible. Ultraviolet not so bad in sunlight, artificial very bad, but it and X-rays are still permitted only for necessity.
Those are just six, with their scientific terms. I didn't even bother with my fear of invertebrates, since it's a strange on-off thing I haven't really diagnosed the triggers for. And it's the only one that takes effect in virtual environments.