I want to qualify the difficulty BOW is having with this from the position of one born in with JW parents. Everything you have been taught and sold is to keep you under the thumb of your parents, the congregation and WT. So when you hear tough love from Moshe and Farkel it may come across as harsh.
Know that you have been trained to be dependent, not independent. That being said, when you are given advice to get on with your life, it is going to sound scary. But they are right and are trying to keep you from wasting some of the best years of your life subservient to those who wish to keep you in child-like dependency.
There is nothing wrong with being cautious. But don't be too timid. There really is nothing to worry about. Get a plan and implement it. You'll make some mistakes along the way. But that is what learning is all about. Millions of young adults move out every year and do just fine. It's not about being perfect. It's about finding your own way and living your life.
Bottle of Water - You can do this. Again, Good Luck