My husband and I sent a letter of resignation not of disassociation to the congregation, although in their eyes it's the same of course but it made us feel we were playing by our rules.
It was the right thing for us. We were so messed up by pioneering for years and my husband being a MS then an elder we needed a clean break to get our life back together and get our health back. As others have said we didn't know about fading back then.
Do what's right for you. If you dont want JWs bothering you to go back and you aren't afraid of losing family and friends it's a way to be free and clear.