I enjoy your wise way of how you are exploring this subject. Well, I would say that we can have to deal with two ways of experience A) and B).The way I took what Luc is saying is to not be concerned with the “forms” but more the essence of how life works, which is universal. So the particulars of the various descriptions of every day life in different worlds are a mix of “this is how our sewage system works” and “this is how we relate to each other, the dynamics of our interactions, the motivations and reasons behind them” and I tend to agree that the latter is more useful to us in terms of learning something of value to reflect on.
I actually did wonder why the nuts and bolts aspects of the afterlife was so similar to what the dead people experienced in their life. Like chariots and horses, even with magical qualities like flying is like.. really? Libraries with books? What happens when someone 5000 years in the future dies with technology that would be incomprehensible to us today - do they go to the land of libraries and horses and sandals too? What about dead 4d dudes whose reality is even more dramatically different - so different that no description would even be possible - how would they mingle with dead 3d dudes and have any kind of shared experience?
I think that a lot of those specifics really are illusions to make people feel comfortable in a somewhat familiar environment with an added “Harry Potter” element to it all. On the flip side I do think there are certain immutable laws that govern progression and learning and polarity, as well as dynamics of how souls relate to other souls, what is considered valuable and falls under category of “lessons”, as in, something everyone shares regardless of their particular environment of choice.
It’s probably something like a Star Trek holodeck, and so people who died in different eras of history will have a version for their comfort. I doubt that a 3d alien on another planet who has no concept of books or horses because they did something entirely different will be in a land of libraries and chariots with horses in 5d. Never mind 3d lifeforms that are radically different as to make their works utterly foreign in every respect to us. The essence of things is probably still relevant, however.
In fact, some of the afterlife channelings do touch upon the fact that their interaction is limited to people from earth, and only the more advanced higher spheres have a wide enough awareness to incorporate bigger and bigger chunks of the universe, perhaps other solar systems, galaxies, etc into their repertoire of responsibility and interaction. So at the “lower spheres” at least, there does seem to be an illusion for convenience and comfort before you are able to discard the need for such.
First A) is when some individual experiences in the 5 Density, in theory, every experience that an individual can create and enter into it - without all these illusions of the 3 Density experience, without fear of death, without all the constrictions naturally from the laws of the 3 Density experience. Such an experience can be developed outside the 3D restrictions, in the 5D, when you can manipulate the parameters of the reality, so to speak BUT those parameters and possibility of the run such "simulation", such experience depends on the general laws of how Universe works, and it works based on universal laws, those laws are objective and represent certain kind of focus of the Truth.
So you do whatever you want until it finds a connection with the whole Universe and not disembowel self from the objective rights of life in the universe. So if you want to experience the flight on the chariots with the winged horse. You need to create a suitable world in 5D or find and enter the 5D world, with the proper conditions and laws which potentially allow you to create and run/simulate such experience you want and EVERYTHING that is happening has to be subordinate to the general objective law of the universe, in other words, conditions and your experience that you create can be different, very different from that which we can experience here on the Earth, but this experience in this world require existed cause and effect relationships, things still have to keep logical and objective connections, between themself. All of these are going in the Being part of the universe.
So now, the second way B), at this time with "Harry Potter" admixture. The second way of the experience is when you do not need to have any objectively working world, you do not need any conditions which allow for the existing real worlds. One thing you do is using imagination. This act allows you to create everything you want in your imaginations. You can create it like a painter creates the pictures, you can paint almost everything, even if it have no sense. Like in the A) all that was made there belong to the Being part of the Universe. In this situation, we are dealing with Non-Being part of the universe, because everything that some individual imagines not became the part of the creation, only exist for the balance that makes possible the Being to exist and create some order and make creations real. Being and Non-Being exist as some that when they clash with each other, allow for the creation and experience. The Non-Being part does not exist as the "autonomous being" so to speak, but for the balance to make the creation created.
What I can add is a bit about the Densities. The difference is such that let says we are in the 5D then, we can create some forms and experience, and dump them, etc. We are "dead" dudes, so we already outside consequence and rules at the 3D level.
In the 3D we can't create and moment after dumping something out. We can't just go outside the body and come back. We need death to end our lives. The chariot can't be green now and red awhile after, can't fly just like that. So 3 Density is determined and one life is one cycle, who has its beginning and end. In a sense, the experience in the 3D and 5D is the same. Here and there we have some creation based on the information, here and there, some universal laws have to work, in another way, the world will crumble. The difference is that that in the 3 Density, I need to get a brush and paint the chariot. I have to feed horses. When I will be displeased because of the speed I have. I can't create the wings for the horses and influence the environment that gives the possibility to fly. I can only adjust to the existed conditions.
So, in fact, densities relate to the densities of the experience. While we are in the lower densities then the difference between material and the spiritual world is further moved for the advantage over the mater. The higher densities then thoughts, energy, and spirit is influential on the experience one is experiencing. That's all about information under everything, the difference is between the centre of gravity for the experience; in lower densities moved to the matter, in higher to the spirit, until 7D where this is without meaning.