but instead of all of reality melting digitally disintegrating dripping all around you it's much more like the classic description of a near death experience/OBE.

That description doesn't match my DMT experiences at all; at threshold doses I'm always somewhere else completely, the world doesn't disintegrate around me, I go somewhere else entirely with no relation to my previous environment and I go there in seconds at most, it's almost instantaneous. And what's on the other side is indeed sometimes close to the classic description of NDEs.