Actually, background is a valid consideration to bring up. An veteran archer of the Battle of Crecy is likely not going to be as phased by the sight of a column of French knights as a green conscript. However, I think we want to avoid having a lot of bookkeeping in general. I like the poster's "my or others' lives" limitation and would call that a valid Social Contract/Emergencies circumstance.
What about Unconscious only? That overlaps, as they both trigger during periods of high stress. Obviously it can't be an ability that only turns on when your character is unconscious
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it can only come into play under GM control, as a result of stress.
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