Good thread! Yep I've had a fair few experiences as well.
Someone (think it was you kanger... and I am so sorry by the way...) said that this life is the dream and what comes after is reality. For what it's worth, that's what I believe. Don't get me wrong, of course this - our bodies, houses, family, jobs, roses in the garden, cornflakes for breakfast, planet earth, the milky way etc - is all 'real' too, but it's just a teeny tiny part of the whole big picture. These spiritual or spooky experiences are but mini glimpses of there being something else going. I think spiritualists describe it as a veil... as in on earth we are living under a veil, and there is a limited amount of interaction between this side of the veil and the other side, but until we pass through to the other side ourselves, we can never truly know what is there / how it works / what is going on. And that is the mystery of life!
Warning: This next bit of advice might be a bit too 'woo' and hippy-like for many, but sod it, it's what I think so I'm going to share it :)
The biggest force in the universe is love. If you ever get spooked by something that you don't understand or that scares you, just think about love & imagine light - surround yourself with it - feel it in your heart. (And even if you think this is all bollocks, it still works even if it's just the psychological effect of calming and soothing yourself.)