Yes, I think that the simulation/game/dream thing is a useful metaphor.
I think your soul has goals and your judgement is an evaluation of how close you came to the target and how much you fell short (sinned). So this is why there is such a variance in NDE experience: some soul goals are common among most or all people and some are unique. You could think of souls as having a Venn diagram of overlapping and non-overlapping goals. And in fact the structure of a soul is also like the Venn diagram in that how you choose to define a soul is a matter of choice... you could expand the boundary to include your family or all of your species or the planet or shrink it to just "you".
A conscious moment seems to be a kind of reduction or distillation of an infinity down to something meaningful and meaning is tied to a goal. A choice is a boundary. A boundary excludes. If you have doors A, B, and C, and you pick one you necessarily exclude the other two.
Free will and consciousness are a filter... a way of subtracting to create.
So just as your visual processing network reduces a sea of color and shade to a handful of symbols related to interaction, your soul and your consciousness are "looking" at the multi-verse and subtracting irrelevant details and distilling from the infinite sea of timelines a handful of timelines that are useful to it.
Suppose you are looking at a field of grass. Is it essential to the meaning of your storyline where each blade of grass is growing? Probably not. So your consciousness reduces or compresses a field of grass to one symbol. Now the interesting question is: during your life review, is every blade of grass where it was during your life? Or does your life exist in compressed form such that something like a GAN upscales the blank space labeled "field of grass" with freshly created blades of grass?
And is this "upscaling" with something like a GAN actually how everything is rendered now (not just in the life review)? In which case, the sea of color and shade from which you pick out symbols for interaction is actually generated in the reverse way by a small set of symbols run through the GAN to create all the irrelevant detail and complexity.
Perhaps to beings existing in the next layer of reality outside this one (and NDE experiencers who have been there), this reality appears crudely rendered in the way that Minecraft appears to us.