I was raised a JW (out now for 10 + yr.s). Even though I never considered myself a JW, (even as a kid) - I could see the short-term benefits of getting baptised. The baptised kids actually had more freedom - I mean they didn't have to prove themselves anymore, people looked up to them as great examples (some were almost on pedestals), they weren't watched and spyed on. Some baptised kids acted and talked just like the rest of us trouble makers when in private. However, the short-term benefits couldn't out-weigh the downside as all of you have mentioned. Another JW friend and I made a promise to eachother long ago (I was 14, she 16) that we would never get baptised, no matter what the costs - we kept our promise to eachother and ourselves to this day!
Later!
daisy