"...is this how the "worldly ones" are treated?...."
Yes... And you should hear how they talk about "worldly" people, when they think no-one's listening...
If you can stomach it, stick around for a few more meetings, and specifically pay attention to any JWs who are on the "sh*t list" - er, are disfellowshipped - and are going to that Kingdom Hall to be "reinstated"...
Just for the fun of it, try talking to one of them, and see what sort of reaction you'll get, from your 'nice' JW study girl, and the congregation's elders...
And you thought YOU were being treated badly...
"... Are JW's encouraged to keep their distance from someone who isn't yet baptized?..."
Yes... They'll probably 'love-bomb' you to your face, but until you're 'dunked' - and are putting in 10 hours of door-to-door "service" monthly, and have dropped all plans for a normal life - obtaining a college education, financial advancement, planning for retirement - they will see you as a "bad association" who "Satan" will attempt to use to lure them away...
"...The girl I study with is nice, obviously. ..."
Yes... She is INSTRUCTED to be 'nice', at this point. But if you don't "advance" - that is, request that the elders go over the 'pre-baptism' questions with you in a timely manner, she will probably stop being so 'nice'...
"But it really sucks to be amongst people who have the disapproving eyes on you, the whispers, the distrust, etc etc ETC! I'm thinking this is typical JW behavior, but I have no one to ask. ..."
Dear Roxane Sophia, you have US to ask...
Most of us were in the religion for decades; some of us are STILL in - though fading...
[Not me - was bullied into the religion by my parents; have been out for 25 years or so, but just found out about the fullest extents of Watchtower dishonesty within the last year or so, due to this website...]
We no longer fear the disapproval of the congregations - well, most of us don't - and therefore we have the freedom to answer your questions with a higher degree of honesty and accuracy, since we're not attempting to get you to 'join' any specific group...
Of course, that's not the way your nice JW study girl would view it...
Zid - the She-Devil...