I’ve worked with people who have had NDE’s for close to 30 years. Had several myself, and also do hospice work.
While the experience is based upon perception, there is much reality.
By the way, with good meditation practices you can have the same experience.
I’ve practiced that and had one of those. It scared the crap out of me. I think my reaction has kept me from going there again.
I guess I am wrapped too tightly.