It's been gone into in great detail here over the years, but I'll raise it again. A smart JW who knows the issues might decide that since all the fractions that make up whole blood are allowed in any combination, logically whole blood should be allowed. They might argue with themselves about it, saying that the spirit, if not the letter, of that law would allow the use of whole blood. Since which fractions in what quantities are up to the individual JW's conscience, he may decide that his conscience is clear and allow whole blood within his medical treatment. Of course, he'd have to be REALLY smart and not let the HLC get a whiff of what's going on. And no-one at all within his family or social circle. It would be wise as a JW to not ever talk about any medical issue except to one's doctor, etc,. I'm guessing. Perhaps with regards to all medical treatment, not just where blood is involved. We know just from the article that spawned this thread that elders and their advice/judgement can trespass into areas which even WT HQ is covertly admitting is above their (the elders' and JC's) pay grade.
I doubt that any JW is going to go through the logical steps of reaching the conclusion: if Jehovah allows all the fractions of blood, in any combination, he must logically allow whole blood. They've been so exposed to and frightened by the blood issue that they wouldn't know how to follow the steps to that conclusion. Unless they lurk somewhere like here, of course, and do a lot of reading...