I had a similar encounter (minus the wraith) with greydwarf, but I was in at least mountain-level gear, maybe higher, and got stamina locked with them pounding on me. I started thinking "No! Not to greydwarf!". Fortunately I was able to hobble away enough to grab a bite and show them who's boss!

Another time I sailed up to my base at night, just wanting to jump in bed, but forgot that a swamp raid had started just as I left a few days before. The raid had ended, but the draugr were still there. It didn't turn out well.