I don't really agree with your definition of terms. If I'm standing on the sidewalk and a bus jumps the curb barely missing me, and knocking the latte out of my hand... That's a near death experience in my book. But I will grant you, someone who has been declared dead and then comes back has experienced something different...

And yet, their story will fall into the "dreams" category, and still be completely uninteresting to me, so in the end it's same-sies.