As for NDEs, I've OD'd a couple times on smack and - frankly - it's overwhelming bliss then straight to black. Obviously the substance invovled is known for euphoria but that black is pretty fukkin BLACK I can assure you. Much like a very deep sleep. Or - as Mark Twain points out - like the time before one is born. Just non-existence is all. The terrifying part is if there is some form of existence and you somehow failed to live up to whatever arbitrary mark that particular version specified. Despite what many pop culture documentaries and bestsellers portray, there is zero - absolutely zero - evidence of any version of life after death beyond the purely anecdotal. And more than half of that is disproved if investigated. The rest is most likely wishful thinking and confabulation. Or at least we best hope it is.