I can understand to an extent what your saying Richard CB. And what I think your saying is that a certain measure of responsibility falls on the individual to how they internalize and react to what a cult or religion imposes upon them, and that the Bible should be what ultimately impresses upon them. And I could be misinterpreting that. (I'm agnostic now btw so I have little to no regard for anything the Bible has to say anymore)
Personally at times this is how I deal with some of my frustrations with the organization. I look at all the misinterpretations of the Bible they use and ask myself why I allowed myself to be mislead for so long. I direct some of that anger at myself in an effort to turn those negative thoughts into a learning experience for myself so that I will not go about life placing too much trust in anything.
My wife however strongly disagrees with this line of thought because as she has correctly pointed out to me that many (herself included) have been baptized at a young age thereby being affected by undue influence during a time when the human brain is extremely impressionable. They are raised believing there is no other option for truth outside what Watchtower offers.
As far as what the definition of a cult is, I'm going with what Finkelstein posted previously.
Also, since you are not very familiar with the Governing body or their history I strongly recommend researching jwfacts.com. If you are going to start a debate on cults in an ex-jw forum it would be beneficial for you to know what you're debating for or against.