I often wonder about how you can tell the difference between a vision and just a fanciful thought ?
I was like you about a year ago. I had my doubts. I thought I had to live as a monk in the mountains for 30 years to have any special abilities. Now I know that is not true.
The spirits I talk to (and who talk back) have different personalities, ways of speech, and I can see some of them, like their clothing. That's how I know it's a different personality. For other issues I just trust, but I'm always searching for bad spirits and watch out for them. In the case of my guardian angel (GA), she had the same sense of humor I do but she also had a serious, more somber side. Eventually, as I meditated on this issue and asked questions, I found out she and I had been good friends for many lifetimes and I asked her to be my GA in this lifetime, and she agreed.
Another issue is when I ask my GA for a burst of positive energy for protection or banishing attacks, I feel a subtle rush of energy which makes my hairs stand on end. The energy usually starts at the bottom of my back, goes up, and often goes across my arms. It happens every time I ask. After giving freely she admonished me gently and said "It's the caffeine silly." And she's right. Caffiene plays a part in my panic attacks, or perceived panic attacks. I am the architect of most of my own problems.
You just have to trust yourself, ask questions of your GA, and understand that things will not be given to you (except love), that you have to work for them. Answers from your GA may be confusing as you do not have the complete context yet for that answer. All of this difficult life has the purpose of a learning experience. Of course some people make life even more difficult with the choices they make. Love is given freely anytime you ask and you should ask a lot, because energy needs to flow, and the good guys want to help you. It needs to go from one place to another and by practicing opening up your mind you will learn to open up easier to receive it.
So one of the earliest times that I accepted I was talking to my GA I could see her in my mind very happy, jumping up and down with excitement, and her energy was keeping me awake as I was trying to go to sleep. This went on for an hour and then I had to politely block her energy so I could sleep. It was THAT strong. At this point her happy energy was so strong the joy was making me cry.
I have also seen a ghost with my physical eyes, and several other things have happened to me that I cannot explain. So I do believe there is something to this.
I recommend you mediate every day for at least 15 minutes. There is good free meditation music on Youtube and Bitchute that you can listen to to get you started. That will help you clear your mind. Then explore and see what you find out there. It's a huge universe.
As for your death warnings, death is merely a change in state. The old body is shed, and a new chapter in life begins. Death is not the end. My NDE convinced me of that.
I do believe you have talents, I also get confirmation from my GA, but not all people will understand your talents. Best of luck to you and I'm here to answer any questions you might have!