I agree that the time of peril is frodo's encounter on Amon Hen, however i disagree to the point that it is gandalfs voice in his head. Gandalf wrenched Sauron's will towards himself... rather than let his gaze pass onto frodo. I always believed that it was frodo wising up and his stronger hobbit sense kindling that stoked him to take the ring off, perhaps gandalf had something to do with it... i doubt it.
Osse
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'A thinking tyrant, it seemed to Vetinari, had a much harder job than a ruler raised to power by some idiot system like democracy. At least HE could tell the people he was THEIR fault.'
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