Also, near death experiences are just that - NEAR. So actually not dead at all. I for one wouldn't count on these things happening when you die. Also, what you feel when you are dying is hugely related to the way you bite the dust... or at least that's what I think.
But concerning death itself, I have to out myself as a passionate atheist and support tristan. If you're done, it's over for good. It's not even like lights going out because there won't be darkness, as there is no person left to experience it, or anything else.
On a sidenote, I rather think that an afterlife would be quite a bore really. Spending the eternity in any place, no matter how great or luxurious, will get on you sooner or later. Additionally, you'd miss all those glands and hormones etc. which spiced your life up when you were living.