Seth indicated in "Nature of Personal Reality" that the inhabiting consciousness does not reside 100% of the time in the fetus/infant, and that the process of "ensoulment" if you will, is not binary. He also talked often about your consciousness being more mobile and dynamic than we are normally aware of. Think of day-dreaming wherein "you" drift off to some other place while your body is at your desk at work. In this way your consciousness, the Faithful Witness, is not stuck like glue to the back of your skull looking out through your eyes as they stare blankly at the cubicle wall.
Seth said the body is quite capable of living without consciousness' full engagement, at least for a while.
Also, when Explorers moved "out of the way" for a channeled entity to talk with the monitor, one would assume that their consciousness was the "thing" that moved away from the body allowing another entity to speak.
So it appears that the connection between body and soul is flexible, based only on those two points of data, Seth and The Explorer Tapes. Also, most NDE occurences result in consciousness departing the body for a bit, if "departing" can be meaningful in this context. Let's say instead that it was "focused" elsewhere than in sense-experience via the body for a bit.
In the player/character model, it is sort of like being AFK, which any gamer will tell you is wickedly common and not always fatal to the character (unless it happens while whitewater rafting or motorcycle racing or something). Grin.
BTW: I _highly_ recommend listening to the Explorer Tapes. I find them remarkably informative as an augment to MBT. You can hear in them the seeds of much of Toms analysis and synthesis, as well as some things Tom never really addressed overtly.
"sub specie aeternitatis"