I know exactly what you mean and it winds me up too.
I have a retarded geeky housemate who does absolutely nothing except watch films all the time (When he's not at work or asleep). I always get woken up on a Saturday morning by the annoying as f**k orchestral music in the climatic buildup to an 'exciting' part of a film. I find its worse in the comic book superhero type movies, which I hate the most
Music like that doesn't play in real life when something dramatic is about to happen, and if the films any good it shouldn't need it to create suspense!
Edit: Wow I sound angry. I don't mean my housemate is actually mentally disabled, he just has no friends/life and just sits inside watching movies all weekend. Actually, maybe he is disabled