First off, not EVERYONE gets 'NDEs'. I guess the rest just cease to exist when they die? Sorry, that was rhetorical; we ALL cease to exist when we die.
Another way I've described NDEs in the past is with a parable.
You plan all year for a European vacation. You pack your bags, go to the airport, and the flight is cancelled. You collect your refund, go home, and write a book about all the awesome places in Europe you never went to.
That is what people drawing conclusions from their cherry-picked NDE 'experiences' are doing.
I've had many awesome dream experiences. Just last night it was legless T-Rexes (not chopped-off legs, bred without) with helicopter rotors in their backs. We came through a Stargate (yes SG-1 style, and I haven't seen an episode of that in a long time) and got attacked by an army of them over the sand dunes, and other things I don't remember. There may've been raptors, but it was dusty. Some 'bad guy' was in charge of them, but that didn't seem really important to the narrative, as if this dream had one. One of them ate a grenade and blew up, and we got away, but it's unclear how. We made our way to the 'peace' seminar, but everyone was dressed more like a science fiction geek convention (I never went to any), and some other mayhem-related stuff happened there, which I don't remember, either. Then the cat pecked at the screen with his claws and I had to get up and shut the windows before it got hot (or the cat destroyed the screen - whichever first), and couldn't get back into the dream to see how it ended. Bummer. I need a DVR for my dreams.
For a more conventionally 'NDE'-like dream, I was travelling along an inter-dimensional road visiting places, but none of them were home. Small towns. Little filling stations in the middle of nowhere. Some modern. Some old-fashioned. Some places just medieval cottages on a dirt track. Was I 'dead' and looking for a place for my spirit to rest, or just dreaming? I'm thinking 'just dreaming'.
Blood-thirsty dinosaur helicopterexes must be real! I saw it in a state of altered-consciousness.