Hey Robert, thank you for sharing this kind of experiences,

Your first experience is conscious OBE. It is not as rear as people use to think, it just not public because people are usually afraid to be ridiculed if they speak about that. We go out of body every night, we just don't remember. Here is a book Astral Dynamics by Robert Bruce that can help you to clarify that experience.

The second experience it is very interesting. The voice in your head is probably from the astral plane. Ghosts are the souls of deceased people who are so tied to the material plane to refuse to go into upper dimensions. There are invisible helpers who help them and try to separate them from the material level for their benefit. It's possible that they warned you telepathically so that you do not get upset. You can read more about this phenomenon in the book Invisible Helpers by Charles Leadbeater.