I wonder if the EOTWT speculation is, at least in part, fueled by that which us 'disaffected' or former JWs hope to gain by such a scenario.
In my own case, I find myself hoping for a future where former relationships with family and friends are restored...except this time we're all rational and carry on with an understanding that there was a high-control cult formerly running/ruining our lives. la-dee-da. I am a dolt for indulging this stuff.
I think the OP is astute in pointing out the real costs; the likelihood that any EOTWT scenario (while applauded near & far) will have a catastrophic psychological/emotional fallout on these very same people that I am hoping to reunite with! There is simply no 'End of WT' scenario that would leave these true-believers intact as the people I remember them to be.
This is a done deal. Even if the WT closes shop tomorrow, the costs are sunk. I (we) will likely never have our relationships back with the WTs adherents, even after the master is gone.
Perhaps it's better to root for EOTWT, not on the basis of a past that cannot be recovered, but on the basis of the future, where this garbage isn't out there, lurking, waiting to ruin lives and inflict pain on all it can touch.