No matter how close to personal experience a story might be, inevitably you are going to get to a part that isn't yours and, actually, whether it happened or not becomes irrelevant. It is all about choosing the right words.
I do enjoy Gothic fiction or books about zombies if they are well written and I like vampires.
Ulysses could have done with a good editor. You know people are always putting Ulysses in the top 10 books ever written but I doubt that any of those people were really moved by it.
If you're from Dublin, for example, chances are you live with your family, if you're lucky enough to, right up to the mid-20s. And most of the people I know, when they finally sort of set off on their own, they don't stray all that far.
I'm not recognised that much. I'm just a bald man in glasses and there's a rash of them in Dublin. It'd be different if I had a mohican.
I wouldn't go out of my way to experience the indignity of middle-age just because it might be good meat for a story.