plot help

[beaniesue.livejournal.com]

In my novel, I need to think of some really scary scary evil thing for my heroine to try to triumph over. Zombies scare the daylights out of me. Like I feel like hyperventilating if I think of them too much. I need some advice....

Should I either

a) write about the zombies because they scare me so much and use the fear I feel and put it in my book even though I might be inflicting psychological damage on myself

b) write about something else because maybe zombies aren't horrifyingly scary to people other than me and what I write will just end up looking silly and contrived

and if option B is picked, what other scary evil thing can you think of for a small chubby heroine with no magical powers but lots of gumption to tackle?