I guess disassociating works for some because it is a clean break and give them a measure of closure. Being disfellowshipped ultimately means you were kicked out whether you liked it or not, like someone else said 'fired'. That in itself shows to the congregation that you were deemed not good enough, not loyal enough or submissive and repentant to be a member and must've been doing something 'evil'. I think I'd prefer disassociation if I had the choice, meaning I was taking control of the situation, of MY life and not being dictated to any longer. But I understand that for some that is not what they would choose. Having said that, I am currently just fading and haven't come to any decision what I will eventually do.
You have to weigh up your personal circumstances and what is best for you and your family. Making a clean break sounds good in theory but either way, there will be backlash in some way or another. I wish you all the very best x