I have no qualifications, that is quite true. However, I have read fairly extensively, and I am thoroughly acquainted with rational, scientific, logical and skeptical thinking. But specifically your thing - yes, I have had experience of it.
Guru claimed to be a skeptical and rational thinker, and yet one transcript of a tv programme, followed by the purchase of three books caused him to become a believer. I merely pointed out the illogic of believing what is written by the conman himself.
Visited described undergoing a traumatic experience. I cannot imagine sitting in a room with someone who tells me that he's under some kind of mental attack, and then telling him that the chair he is sitting on belonged to someone who died two days ago. That is not how normal, rational people behave! If someone in my presence felt a sudden, irrational fear, I would do everything in my power to reassure them that there were no real demons or spirits hovering nearby, or indeed anywhere, and that the pathway out of his fear was to hold onto the real, the material and the physical.
That, in essence, was what I was trying to do for you, too, Teri. As a matter of fact, yours is the only one of the three I've had direct experience of myself. Last week I awoke to find myself in an utterly paralysed state. I was in half a dream state, too, so I frequently got up and went downstairs, only to open my eye and find myself back in bed and paralysed again. How could I tell I was paralysed and awake? Because when I waved my right arm, nothing appeared in front of my face. My brain was totally issuing the commands and feeling the correct response from the arm - and yet nothing was really happening. There is no more vulnerable feeling. In the past, similar experiences have had me feeling that someone (a woman) was in bed with me, and I could feel everything about her being real - and yet she was not. However, having done some reading and seen a couple of documentaries on this subject, I'm perfectly satisfied that my experiences have a rational basis, and that however bad, frightening and vulnerable I feel when having it (I used to get the paralysis a lot and I can tell you it is not pleasant at all), I'm reassured by the fact that I know that any presences I feel in my room at that time are purely imaginary.
I would like you to think about your experiences and think through the possible consequences of each explanation. If there's a mysterious spirit which is messing about with you in some way, exactly what can you do about it? Who can you go to for help? Is there any actual, physical evidence of their presence or is it as if they weren't there? If someone explained to you everything there was to know about this spirit - who it was, where they came from, what they wanted from you - exactly how does that help you to fight it?
Conversely, there is clearly no physical evidence of its presence, you just feel things on your hair or your legs on occasion when you're lying in bed after just waking or just on the point of sleeping, and it's obviously just part of your imagination. Is it a pleasant experience? Undoubtedly not. But what is the benefit of imagining a real threat, if it's possible to dismiss it as pure imagination?
In my view, the first way - well, that way madness lies. And the second way is likely to promote a healthier mental outlook all round. Your case is slightly different from the other two - it's only you involved (in my view, "you're only fooling yourself"). In the case of John Edward and Visited's "spiritual circle" we are dealing with people who deliberately exploit either people's grief or their fear of the unknown, either to bolster their own beliefs, or manifestly in the case of Edward, to make money as the star of a top-rated TV show.
For a clear available exposition of the fraudulence of all mediums, I recommend the article William James and Mrs. Piper by Martin Gardner, available in his book <a href="http://www.amazon.com/exec/obidos/tg/detail/-/0312169493/qid=1100877088/sr=8-1/ref=sr_8_xs_ap_i1_xgl14/104-0715737-8158313?v=glance&s=books&n=507846">The Night is Large: Collected Essays 1938 - 1995</a>.