"The above is what the rules are with one exception: A person's OWN fornication is not grounds for Scriptural divorce as per the WT. This is to close a loophole that would allow anyone to go have sex to get out of a marriage easily. Of course this tends to get communicated verbally at CO meetings with elders and KM schools since no Scripture explicitly states this."
As far as I know, that is incorrect, (unless something changed in the last four years). I know of many who used that exact loophole.