I will tell you my own experience, and it is partly what you have stated. However, I could not help feeling sorry for the people suffering, yet thinking God is gonna fix it soon does sort of make you feel ok, yet I had to harden my face and pretend I couldn't see them when the Salvos or World Vision were collecting near the mall.
The biggest thing for me regarding end time thinking was not something I realised until I realised that this was not actually the end time in my opinion, or thinking that if it is, God is not going to kill the 7 billion other people including my close family. Once I shed WT eschatology only a couple of months ago and no longer felt the burden of guilt I'd been carrying regarding my unbelieving family for the last 15 years, and realised that Jesus did not come to kill but to save, my depression got unbelievably better! I was onto half the medication within a week. I felt free from the burden of seeing the innocent multitude of people around me killed, and the fear that my mother's body was going to be eaten by crows.
If you ask me, I found the biggest problem with end times belief is the constant fear of it, and then the guilt that comes from fearing something I should, according to the WT, been looking forward to, and the subsequent self-plaguing that came from not wanting it to come, and then the guilt that came from the conclusion that I must "love the world" and therefore be an enemy of God. It was a complex feeling that dogged me for years.
As for charity, yes, I thought like you stated above, that there was no point to it. Now, really understanding what Jesus' message was, is that charity is not just for your JW brothers but for everyone! He helped everyone who asked him, no matter whether they were going to follow Him.
Just my rant. I'm newly awakened after my whole adult life, and finally free from cognitive dissonnance. So forgive me if I rant, because I've found my passion.