the only time i got spooked was the first time i played the original psone silent hill at night with lights down. it was scarier than most horror movies of the day. but that was the last (and only) time a game was really scary for me, because it was my first "horror" game experience.
but you're 34, tc. of course it's not scary, these games are basically scary to 12 year olds and tennagers. no offense to anyone who found it scary, not everyone has the same fear and/or gore tolerances so some people get more affected by horror than others.
but RE games aren't really scary. a loud noise on your speakers isn't really scary either after the you've seen that trick in pretty every game AND movie ever. that's why younger people might find these games scary - they have not built up a resistance to the cheap scare thrills that lazy writers use as a crutch when they can't think of anything to put in a game or movie that is actually creepy or (god forbid) scary.