I would think a guy like me with a family still in would be asked by the elders if I believed or not in the Bible
In my time as a JW, and I don't think anything has changed, the question asked (as best I remember from 1998) was something like whether one accepts that the Faithful and Discreet Slave had something or other to do the the Society and the congregation and God.
I responded that if my answer was 'yes' then I was a heretic since I wasn't participating in the congregation and if my answer was 'no' then I might be an apostate. And since I was neither of those things, I said, (a lie - I was both) I didn't know the answer to the question (also a lie - I knew the answer).
One seemed amused (he'd been a friend for years and was as liberal as a JW elder gets), the other (hard core) got a bit annoyed and (correctly) said I was smoke screening. I didn't answer and that was about the end of the conversation.
That's the reality. If you're not accused of a 'gross sin' (and non-belief is not a gross sin) and don't criticize or question the organisation and you don't hang around the KH like a bad smell, you shouldn't get DF/DA.
But I'd guess most departing JWs do one of those things.