I am not qualified to answer the last question of your post really, as I too am faded, not DF or Da'd. so technically I am still a J.W though many years inactive and non-attending.
The good thing is, I doubt any in my old Congo, or who knew me, if asked was I a JW, would say yes, I reckon all of them would say "He used to be".
But whether I would be shunned or not, when I made the decision to leave, I knew that to be true to myself, to be really me, I simply could not stay.
I did not know if I would end up DF'd (I came close to being, twice !) I did not know how Mrs Phizzy would react, she was a born-in and still attending Meetings at the time, though inactive in the F.S, 'coz she hated it. LOL.
I left because as a lover of truth I could no longer be a supporter of the WT lies.
Even if I could not possibly have been DF'd, or shunned for my views, I still would have left, and still would have wanted to lose the old JW Label.