Mine would probably be Rabies.
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Interesting. This describes my experience pretty well, up to the point where I couldn’t hold my breath any longer and took an involuntary lungful of water. However, while the chest spasms and all the rest of it were uncomfortable, I didn’t consider it painful, per se. I was a strong swimmer at the time and accustomed to holding my breath to my limits of endurance, so maybe that made the difference.