I am sort of "In-Between". My mother began to study when I was about 5, and my father was always a UBM. It took her about 8 years of "studying" before she was baptized. I did very little with the org, outside of the occasional meeting, and no holiday stuff. It was not enforced on my sister and me. My father would not allow that. Having a "dumb moment", when I was about 14, I decided to go "all the way", (definately smoking too much pot at the time), and started progressing toward baptism. It would be another 18 years before I figured it out.
(Long version available shortly)
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