Fisherman,
Ans: Only at the point of dying. Isn't courage about risk?
On the two occasions that I had to refuse blood when I was a Witness I didn't feel it was about courage it was more to do with fear. Fear of displeasing God. I had as the Insight book says ' wholesome dread of displeasing him'
'risk is a consequence of action taken in spite of uncertainty' (Wikipedia. under Risk)
It also involved faith 'faith is the assured expectation of things hoped for', the title deed,hupostasis which has a certainty to it. If I died faithful to God I could have a resurrection whereas if I died unfaithful my hope was at risk.
That's why I didn't feel it was courage to refuse a blood transfusion. It would have taken greater courage as a Witness to say yes to having a transfusion and risk displeasing God and losing out on ones place in the spiritual paradise, especially on one occasion when I wasn't the person needing it.