That's it. I'm creating a list thread where we together collect the fears and effects. If you have access to the full list and want to share it, feel free to. List of fears and their description...
There doesn't seem to be anything stopping a sim developing every single fear, so maybe it's better that there aren't a hundred, you'd drown. But do pack-specific situations trigger the base fears? Can a bad karaoke performance or poorly-knitted sweater trigger a fear of failure, or getting hit by lightning trigger a fear of death?