I have a few questions.
You say you are not engaged but you would elope. Have you actually asked her to marry you? Has she accepted?
Is she aware of your plan to elope and announce your marriage to the congregation afterward? (which would deny her a wedding)
Is she willing to be disfellowshipped for this marriage? (the most likely outcome)
My take on this is that indeed she may have been scared by 9/11 into returning to good standing with JWs in order to survive Armageddon which seemed imminent. But when did she start pioneering? Was it after you two became more than friends? If so, that would indicate that in her mind, she is trying to pay for her sins with you by doing extra work for Jehovah. (kind of like penance) The trouble with that is her religion and her God don't officially accept it. Therefore, she is wasting her time pioneering.
The world is a scary place to be right now. (especially for someone with a JW background) She needs to be reminded that 9/11 came and went without Armageddon and so will today's events. She needs to be reminded that since the late 1800's the Watchtower has preached that Armageddon is imminent, that we are now living in the generation that will witness the end of the world- either by surviving it or being destroyed. The fear of being destroyed has to be replaced or she will always be a mental slave. Can you live with that? Can she?