Monsters are scary, but you know what's even scarier? The unknown. That’s what all horror is fundamentally about. Encountering an unrelatable threat that doesn't operate by the normal rules; which could and might be anything, and against which one has no convenient, prescribed response. With Resi’s current plot though, we know too much. The lid has been blown on Umbrella, and Raccoon, and the zombies, and the Ganados. For me, the horror was over the second the games stopped talking about 'monsters' and instead made 'bioweapons' an officially recognised tool of global terrorism.
So let's drop all that. Let's make this story one of confused, uninformed, terrifying street-level survival. No voice of authority, no military assistance, no clear way out, no clue as to what is even going on. Sound extreme? Not really. That sort of setup informed the majority of the series' best entries, up to and including part four. Let's get back to that, but scale up the confusion, stripping away any assumed knowledge by way of a new, entirely unknown threat in a new, unknown world.