Finally-Free,
I know some who are plenty smart enough. It is too scary for many to see. Inside the cult they have the safety of familiarity, the safety of structure, the safety of a sense of surety (however false). If the teachings of the Org are wrong, then that is all wrong, too. All of their devices for coping with life are gone (or so they believe). The weight of that reality is just too much for so many to face.
Ingenuous,
I am going through very similar things right now. I am disassociated unofficially because of being inactive and missing meetings. No one wants me at gatherings, etc. I'm marked. I knew it was coming, so I have been making a circle of friends outside to associate with when the time came. I now have no reason not to associate with my new friends. Should any JW ask why I am doing it I will simply remind them that I am not welcome to be myself with Jehovah's Witnesses anymore, so I have to be myself around those who lovingly welcome me as they find me.
It sounds as though you got caught up in "the discussion" faster than I did. I recommend that you build friendships outside while there is time to ease your transition into a real life on the outside. Then you will be prepared to enjoy that new life with less pain.
Respectfully,
OldSoul