In the late 1960's my parents decided they wanted to have a simpler life and devote more time to their sacred service. So they sold up and moved. They rented a house and my mother and father devoted more time to the field service, study, and raising two children to be regular pioneers. My father was an elder and temporary pioneered and so did my mother.
The house they sold is now valued at £1.2 million the flat they own now is worth about 10% of that, our inheritance.
In the late 1980's I had a man from the bank come to my house to discuss insurances and he talked for along time about pensions. I declined and after he left I chatted with my parents who were visiting regarding how I would not need a pension based on our faith in God and message we preached. Over 10 years later I had left JW and I started a pension. The financial adviser whilst setting it up noticed that I had been offered one in the years previous and said if I had started it then it would be worth double when I take it.
These are two examples of how my beliefs as a JW have affected my life i believe
As for what would have happened in other area's of my life if we had not been witnesses of course I can never know.
However looking at my cousins and now my grown children I find no reason to suspect that anything like drug addiction or alcoholism or such things would have been anymore likely.
As to whether I would have been a christian I don't know. Both my children are, as are some of my relatives.