Well I don't think I'd call myself either wise, or veteran. I'm more of an immature fool
I think ANY emotion can build up to a goal. You can start it off small, and develop it as you go along, once you get more of a 'feel' for it. That's something I commonly do in my writing. Rather than picking an 'end goal' at first, I start with the smaller, immediate motivation, and let some things develop. Usually, somewhere along the way, those developments will grow into something more concrete.
Fear can be a very powerful motivation for a character. Especially since the fear doesn't have to be
rational. Your character could, for example, fear ghosts without ever meeting one. Come home and see something lying on the floor and think "I didn't leave that there... how did it get there...?" and her imagination would run off with her worst fears, even if there's a far more rational explanation. Plenty of times, what seems irrational to a logical person can still be very real to someone motivated by fear.
It'd also be something you can incorporate into multiple threads, which can be a good help. You might write half a dozen threads where the fear is there, but playing only a small part, because it doesn't come across strong enough to 'grab' you. But then one might come along where everything clicks into place, and that can be what develops into a bigger, longer term goal. Sometimes those goals can surprise even yourself... for example, with my character, her grief over her Granddad's death was her core emotion. I started with no 'goal' how to develop this. The emotion was just there, behind the scenes in my writing. Then, it started affecting her behavior, until eventually a whole series of threads came from it developing off the idea of trying to stop another loved one from dying.
So don't worry at first about what will arise from it later. My suggestion is just focus on developing that emotion. Bring it out, and see where the natural flow takes you. The more the emotion is developed, the more you'll come to understand the character. Then, opportunities should arise where the emotion leads to one thing, then another, and the ideas start clicking into place. It takes time, often, before everything starts to fit. But once it DOES fit, I've found you'll end up with some very strong ideas coming out of it.
And the best part is, you could wind up influenced by other writers in unexpected ways. This happens to me a lot... since I start off having this core emotion developed, it makes me see things in other people's writing that draws out unexpected reactions. For example, Montaine (who I thread with regularly) plays a character with frequent health problems. Since I already knew Tock had issues dealing with the loss of a loved one, she got VERY emotional and angry with Monty in one thread, when his health issues worsened and she took it personally, thinking he wasn't taking good enough care of himself. It was unexpected (the thread took a complete left turn, going in a direction neither one of us expected). But some great developments came out of it, all because another player brought something into the story, and it made me think how my 'core emotion' would have Tock react to that.
So, if this fear, or uncertainty about the unknown, becomes a 'core emotion' for you, and you think on that frequently, you might find yourself seeing things in other people's writing that make you go, "Oh wait, she'd react
this way" etc etc. You could surprise yourself with the sudden inspiration.