Hi Stinkerbell. A few things: First, are you doing energy work? If not, they may help make your projections a bit more 'regular' if not 'predictable.' You'll still have widely varying experiences, but it may help. One thing that happens when you start practicing a routine is that at some point your energy body needs to 'readjust' and you have 'dry spells'. I get them about twice a year, but it's more common in the beginning. I think after that initial 'big readjustment' you fall into some sort of pattern that is all yours (and cluster OBEs may be part of yours) which includes dry spells, and occasionally, a more 'collective readjustment event' happens, as AC has verified in my case, in which you find a large number of people finding themselves manifesting different things. For example, I was grounded for a number of months, but was having the weirdest dreams. When I verified that others were having similar problems, and identified elements in everybody's experiences, a pattern that was bigger than my own individual growth pattern arose. So you may be going through any of the above.
My opinion is that you didn't get far enough, and created the rest of the situation with your own energy body- the 'dweller' explanation.
It's possible that she was there in an unconscious projection, but I do tend to think that you created her as 'dweller' as I said before. You could tell her that you had the weirdest dream about her (and work the prayer into it) if you are comfortable with mentioning it. It's possible that your projection was unconscious enough that you actually projected to her and picked up something from her dreaming mind. But I tend to think that it was your dreaming mind that created it.
I tend to think it was an OBE that turned into a dream.