Wow... most of the answers to this question are... wrong or underwhelming. Lady Face seems to have a good one though if such a thing were real.
I don't think the idea of a "cold feeling of dread" is very well understood. I can't imagine any of these situations creating much dread at all. But that's probably because of the way society utilizes the word "dread" these days.
Cold feeling of dread is when you are stiffened to absolute, real terror, you get cold shakes and you enter a state of shock, hyperventilate, and lose your ability to function normally. It's difficult to get into that situation thinking about it; that mostly comes from imminent or realization to imminent danger. You know, that feeling you get when you walk into a battlefield, think about your loved ones and wonder if you'll ever see them again. Or if your death will be quick or agonizing, or if you'll die at all.
You don't get that from pet peeves or annoyances.
For me, its remembering when I was at work, so stressed out it nearly triggered a PTSD reaction as I was hallucinating. Mainly, its knowing that people are in danger every time they startle me. I almost hit someone at least once every two weeks for startling me.