For me, the fantasy is with one person only... I trust my Master completely 100% so the fantasy is safe with Him. For all intents and purposes it is a very intense sex scene that may involve no holds barred fighting back on my part but knowing real true hurt or emotional scars would never happen. "Rape" may not be the correct term for it but it is most often used.
In real life scenarios with someone i do not know and speaking as a past rape survivor, I get very edgy and do not trust strangers that seem to be following me around or looking at me odd - especially guys. I have had guys follow me around stores, follow me around on my lunch break, come into my work place for the purpose of trying to find out personal info about me, follow me from one store to the other, etc. This never fails to worry me and freak me out when it happens, sometimes it is in my head but several times through the years it has been a very scary situation to me to have the same guy repeatedly show up in various places for no reason other than i happen to be there.
Would i ever want to relive the rape that happened no, never. While i was lucky and suffered no bodily harm other than violation it took years to be able to even talk about it and face the fact that i was not at fault.