Would agree with everything you said bar the last statement. The JW do believe in Jesus and the price He paid, however the majority of them think they are unworthy of it, I have had this explained by a person who left the faith. My source is an ex-JW that was in the faith for 25 years. I am not for the JW belief system by any means but I am NOT here to knock it either, just correcting with the truth. I tend to use NIV because its plain and simple English, but if I want to back it up, I backup with KJV, expically before saying it to someone and saying "This is what I think it means". However the Holy Spirit is the way to really get things, without Him as your guide you are lost. A few times now I have said things entirely scripture based without even knowing the scripture for it, thats the Holy Spirit lol! Also remember that even with the Holy Spirit, you might just NOT get it. God has given teaching gifts to people for a reason, its not that they are smarter than you. You might serve a much greater purpose and have other Gifts like prophecy or healing, you never know so dont get down that you cant soak things in, just ask for help.