My natural and adoptive parents, a younger brother, several colleagues, and a couple friends (and I don't have many) have died during my adult life, yet I have to say that I have never "experienced" death. Persons with Asperger's syndrome, as I believe myself to be, do not react emotionally to stimuli in the same way as normal people. Those of us who are high functioning sometimes compensate by trying to figure the stimulus out intellectually. Intellectually, I see death as an inevitable event or process which ends at a horizon which the living cannot see across. Thus it is pointless to speculate about what happens after death. I know this is not normal, but it seems to be where I am stuck.
I read somewhere that the Dalai Lama meditates daily on his own death. I have no idea what that would be like. I understand that death (along with suffering and injustice) is one of the main reasons why religion exists in the first place. If things won't turn out right here, maybe they will turn out as they should in another dimension of reality, e.g. heaven. Yet, death has never bothered me, at least not as a moral or spiritual problem. Of course it scares me, my wife needs my care, neither of us knows what she would do if I should die before her. But so far as the other side is concerned, I think I would be okay with just about any outcome. (Except eternal damnation, of course, which is one of the many reasons that I could never return to fundamentalism.)
How do neurotypical (non-autistic) people take death into account in their spiritual excercises? I have no idea. I could sure use some help on this.