When you have an OBE experience you are just switching your PMR data stream for another VR data stream. What VR data stream you are experiences varies. It may be an objective one, one you make up, or a combination of the two. You may be interacting with NPCs in a data stream you make up out of your imagination. You may be interacting with other entities. In a digital information system, the possibilities are almost endless. You can only start to know the differences with a lot of practice and objective observations.
We are essentially a piece of consciousness receiving data, interpreting data, changing data, and sending data - that's it. So when your avatar can no longer exist in the PMR data stream through illness, accident, or something else, than that data stream is discontinued. Then the afterlife data stream is sent to the FWAU. The past life experience is stored in the Actualized Past Database. That is why that past life fades. You are no longer getting that data stream. You can no longer make any decisions in that data stream. Instead you come to the realization that you are more than the personality of the avatar in your last experience packet. You may, or may not, do a life review. You may do some pre-life planning, or you may just get another PMR data stream relatively quickly and start another incarnation. Your past life memories are relatively unimportant. The QoC, (quality of consciousness,) you acquire is what matters.