I would love to hear what Mz Phiz said in reply!
I havent been asked that yet but my mindset is that is that in talking to someone who believes in Jehovah (a JW) how can they possibly think that the God of the universe - omnipotent and all powerful who "does not dwell in buildings built by human hands" (Acts 17:24) only be accessed at the assembly?
Of course, as I stated above...no one has asked me yet and I dont know how I would phrase it in a way that was succinct and yet respectful enough that they might be jarred in to thinking about my response.