As a christian who is no longer a JW I still haven't prayed to Jesus. I feel I should. I feel I want to. But, the old dread is somehow still in me.
I have found the above to be true in my own case. I am presently working on simply keeping aware of Jesus and what he portrayed - as a sort of heart thing rather than a mind thing. Thats quite liberating and expansive.
The talking to rather than a praying to is good analogy. My daughter (she is now fading too) and i were discussing about talking to Jesus rather than praying to him. We both agreed that we found it difficult because trying to articulate is nigh on impossible because of our indoctrination.
Hope the above makes sense.
Bernadette