Great question.
When I was in I found most congregations to be warm and loving. I would travel around a lot as a youngster and visit many different halls. Only a time or two did the hall feel cold or unloving. I got to go to an international convention in Prague in 2006 (back when I was an uber dub) and it was a wonderful experience.
I had many friend in the hall and would spend at least an hour after meetings talking and socializing, for me it was warm and loving.
I never thought any of the information presented was particularly full of wisdom, certainly not wisdom from God, merely wisdom from man. What I mean by that is all the stuff in Proverbs and such is just human wisdom acquired by simply living life and observing how to and how not to treat others. I don't think anything in the bible is special knowledge or from god.
However, from a personal standpoint regarding my overall feeling at meetings, one word comes to mind. Guilt. Okay two words; negativity.
Very much harping on how bad the world is, how evil satan is, and how bad worldly people are. And as for the guilt. It was a serious dichotomy. On the one hand we were told to "do your best" "do as much as you can" etc...but then there was the "You must always be improving" "Keep reaching out" etc etc etc..... So even though you WERE in fact doing your best and being the best imperfect human you could be it was never enough. You were always brow beaten and made to feel worthless because you weren't doing enough.
That's how I felt there anyway. It's also why I left. Thankfully I found jwfacts.com and came to learn the real truth about the organization and that has helped me alleviate my fears that I would die at Armegeddon. I am free now from slavery to the borg.