I and 3 others I know personally have experienced at least one nde each. The experiences are different. I've come to believe that we experience as close to what we planned (pre-incarnation) as can be. I think this applies to death or near death as much as it does to life.
I liken our experiences here (and incarnation as a whole) much like watching a scary movie. Have you every watched a scary movie?.. and why? No one really wants to be chased by an axe murderer of course.
However, 1) want to see what it may feel like, 2) it only lasts a couple hours, and 3) we know it's not 'real'.
I tend to believe when a spirit incarnates here, the same applies :)