It is very true that there is a great fear of the unknown, and death is the great unknown for most people. Surprisingly, one in every three people who 'die' upon the operating table and are resussitated state that where they went in that intervening time was generally very pleasant...they were, they often reported, on the way to a better place.
Let's face it, there is either nothing (the lights out, battery expired belief) which can lead to a lot of angst as people near the end of their expected life-span) or there is something. I don't know about this 'floating around' bit. Why would we do that?
My own belief is that we shed our bodies and what is left just remains, but is now able to live in a heaven of some sort, probably created to a large extent by our own mind's expectations.