Predictable, sure, but it’s not wrong in terms of the stories most often shared on here.
If you take out sleep paralysis (which as @Hedgerow2 says is absolutely terrifying, and if you didn’t know what it was, you could easily think you’d encountered a hostile supernatural presence — I get it too), dogs and small children behaving like dogs and small children, stuff that happens on the edge of sleep, or happened long ago in childhood, wishful thinking about messages from dead loved ones (which again, is understandable), nerves and suggestibility in unfamiliar or isolated environments, pranks, or hearsay (‘Well, my uncle said it, and he’s not someone to imagine things!’), you’re not left with a whole lot.
I have a story I very much like because it’s a good story.
A friend I know well heard it from a friend of hers who lived in the same small town. An overseas friend visiting with her young daughter was having coffee in the window of a tea shop on the main (and only) street. The friend’s daughter, who is a total stranger to the place, points to a dignified elderly man walking by, alone — ‘Mummy, who’s that man, with all the funny people walking along in a line behind him?’ The visiting mother says ‘That man? There’s no one behind him, silly!’ The local friend then recognises the solo man, who is the retired town undertaker.
Now, that’s a great mini creepy tale, with a child ‘seeing’ the dead walking behind the man who prepared so many bodies for burial over the decades.
It was told to me by someone I trust and admire, and have known for 20 years, and her source (the friend who was hosting the overseas mother and child, and who recognised the undertaker) was someone she’d known since childhood and thought was both commonsensical and unlikely to have invented it — apparently she had been shaken when she repeated it.
But that’s several levels of hearsay. Do I believe that a child saw the spirits of the dead following an undertaker up the street of a small town in the west of Ireland? No. I still think it’s a good story, though.