There was a really bad storm that came through the neighborhood when I was young. My father and I would stand outside on the porch and watch them come in (yeah, I'm a Midwesterner and a storm chaser to boot, shameless plug www.ruminationofthunder.com). It was a dark night and lots of brilliant lightning. It may have been the way the lightning was making shadows move around the park, but about half a block from my house, standing behind a tree watching us was a large man. I saw him twice from two big lightning strikes, then he was gone. I pointed it out to my parents but they never saw him.
For me, that was the least personal of my ghost experiences.