In this post, and specifically this paragraph, you focus on something I've been contemplating a great deal recently.  Almost ALL humans tend to share the assumption that there is ONE underlying experiential reality, though we fight and argue over what that ONE reality might be.  But if this world, this experience, is a type of simulation, a type of virtual reality, then the "programmer" ( not necessarily a "god" ) could have given us each our own subjective experience.  All bets are off.

Perhaps you experience an Islamic afterlife and I experience Hindu reincarnation?

Perhaps your subjective experience of "red" is my subjective experience of "blue".

And so on.

eH