Thanks, Jhananda!
I was thinking that during the process following death as one gets into OOB, why would any self aware and intelligent being want to stick to the material world? Judging by some NDE stories, it seems that people sometimes choose to comeback to earth for family purposes or because they feel that is what the God wants. That is kind of understandable if one feels that they still have incomplete commitments. But I remember reading quite a few NDE stories where people went to heavenly realms and were like "this feels like home, no way I am going back to earth...". Of course, there are NDE stories where people go to hell as well, which is quite scary. I guess it is best to do the best we can in this lifetime to prevent karmic forces from pushing to some bad destination.