I agree completely w/ Michelle. You're description of PAC/PVC is spot on for how they have felt for me before. They take your breath away for a split second and make you cough.
Interestingly, mine are not always this way though. I have not had one in years that made me cough but I used to get them like that. Neverhtheless, as Michelle pointed out, they are not harmful and certainly won't kill you (most of us on this chatboard wouldn't be here if they did!).
The absolute 100% best thing you can do about PACs/PVCs is to not worry about them and pretend they don't exist. This is of course considering that you've taken the necessary steps to make sure you don't have an underlying heart condition which presumably you've already confirmed with your doctor.
Yes this is typical. Do a search and you will find numerous posts all the same. As well what you feel may change and shift. But the bottom line is with a healthy heart these extra beats are of no danger to you. That is what is most important. To embrace the fact that you are not in any danger. Hang in there.