A couple of times, I would feel that my limbs are getting bigger and bigger, while my head (possibly my mind) remains the same. I was observing it just outside my head. Not too far away, possibly from my own eyes but outside my head as my mind though still at the same position, has disconnected itself from the head. I knew I was in bed, I was arguing my own self about the feeling being unrealistic. But I remember I couldn't reason out, I felt as if I will be crushed by my own body - slowly and painfully. There is no physical pain that I could feel, just an intense fear of that it will come.
I don't think that these were near death experiences - possibly just hallucinations. Unfortunately, they were so real to me that to this day, I am in a way, still scared of them. On the other hand, I want them back because they were so real and so scary - because at no living moment in the rest of my life have I felt a similar emotion, a real fear of that magnitude. I am sharing this because I cannot believe that a psychological/mental experience can be more real than what I had felt; that NDEs is more real - that they need afterlife.
Religious theory is amazingly complete with scope to explain everything, may be with inconsistencies but still everything. Existence of God would explain everything - because he is omnipotent. The power of religion on the other hand is reducing because after so many years of scientific experiments we are able to experimentally verify alternative theories that explain much of what was unexplained before. We don't need God for minuscule things, not anymore. As of NDE today, sure physiological and psychological theories cannot explain everything about NDEs, but I believe that they will in future.