I believe in NDEs as far as people experiencing something, but those same people need to understand that it is called a "near death" experience, and not a "death" experience. No one has died, started to decomp, gone through rigor mortis and then came back to tell a tale. If anything, a NDE still allows for the brain to be firing neurons and such and what is experienced is an altered mental state.
Once someone has a legal death (and not clinical, which is what all NDEs are) and comes back, then we have a story!
You have a point. And I think many NDE's may fall into that category but I don't think they all due. It is interesting that most NDE'S that I have read tend to correspond to the religion of the one having the experience.