My thought is, just what "personal" studying does a JW do?
How many JWs sit there with the Watchtower, book study, KM, school, etc and look up all the references, scripture etc.
9 out of 10 will just underline the revelant sentence in a study article or book.
Because at meetings thats all they want to here.
In my 30 yrs as a JW the only time I did any "studying" was if I had a talk to give, an item in the service meeting to do, or was taking the book group when the Elder was on holiday.
Watchtower magazine, read paragraph, look at question, find answer, underline.
When I used to walk round KH during Watchtower study. probably about half at least didn't have it underlined.
They tell you to study, but then to keep your answers short at meeting.
It was also one of the things in my time trying to get brothers/sisters to study.
Would like to know how many JWs were using the "free" night, now there is no group study. Studying !