just missed your post, Amos...

what I think is, you don't have enough options in either of your lists....like Pascal's wager, there are many more options than he gives. Actually, I do NOT tend towards 3, I tend towards a combination of 1 & 2   1) they are telling the truth about what they experienced AND (2) they are wilfully subconciously altering what they experienced and maybe a 3 of my own..3) the experience is partially due to some sort of synthesis of subconcious rearrangement of memories and creation of new scenes from these, like dreams can do.

I have MANY times had "flying dreams" and 'seen' the world from above...in views I have never had RT....but I do know what it feels like to look down on things...and I know the concept of flying.....and (you may see where I'm headed)..I know what *I* look like, and have also had dreams where I 'saw' myself, as if in a little movie. This sort of mental activity, I assume, could lead to OBEs.

Note...I do NOT claim I have proved it can't happen, only that I have a great respect for Occam's Razor.