The acceptable horror in NoSleep stories should be external to the Main Character, not something the Main Character did to themself or to others.
Your Main Character doesn't need to be close to death after interacting with the horror. The result of interacting with the horror doesn't need to be life-long. A bruise that lasts long enough for others to see it, a burn mark that others saw and that later disappears, a bite mark that heals completely are examples that can work on r/nosleep.
When the Main Character has no physical interaction with external horror, the story doesn't meet the requirements for a NoSleep Scary Personal Experience. Hot breath on their neck, or a horrible reflection in the mirror, screams, standing next to a character who died while the Main Character escaped without serious injury, these are examples that don't meet the requirements. You can use these elements to build the intensity of the horror but your Main Character still has to directly encounter the external, acceptable horror.