both for me. I was DF'd (unfairly I believed and I fought it to no avail). Looking back, it was a wake-up call. For a long while I still clung to the beliefs, thinking that even though I no longer wanted to be part of it, it still was the Truth. There was some apostates that used to put ads in the community newspaper. I was offended because I still believed that JWs were good people, if deluded.
Now, of course, I realize the people placing the ads were obviously trying to expiate their own pain and trying to recover.
So one day I just decided I would stop entirely. The big step was not attending the memorial. That was the turning point for me and my family because my brother and his wife decided they should force my children back into the religion and launched an attack on us. Not attending the memorial that year was traumatic for me for a number of reasons. I still felt extreme guilt and was terrified on some level that I was doing the wrong thing. But after the memorial passed I realized that I was still alive. Still okay. Still able to move forward. So I did.
Things just got better from then on. No - there were plenty of really bad times, lots of depression, lots of pain. But it was the turning point from which I will never look back. In spite of the horrific pain that was inflicted on my family when I was DFd, I'm now inclined to think it was a good thing. It enabled my escape.