Drowning.
It's the ultimate test of Optimism VS Pessimism, man, do you hold your breath and hope you can save yourself, risking an even slower and agonizing departure... or do you just let it out and, for your last seconds, dwell on the doubt that maybe you could've been saved?
It also kinda plays on your survival instinct, so you won't be contemplating your life choices and shit, you'll be panicking and getting every hole filled with water.