You’re totally wrong, we don’t need to form any sort of formal organisation, and nobody needs to directly risk their lives in conflict.
All that we need to do is spread the message, build alternative structures - for example, workers co-operatives and housing co-operatives - and then when we have alternative structures capable of supporting it, we can collectively withhold our labour from the ruling class, causing it to collapse.
I don’t know whether or not they would let this happen peacefully, they would probably start trying to use violence against us once they realise the position that they’re in, but we should be completely capable of defending ourselves at that point.
The other benefit is that this doesn’t really need much large-scale organisation - if we focus on building systems that support us and our communities, then we kind of cut the state out automatically - if we no longer rely on it, then it doesn’t have that power over us anymore, and all it comes down to, is can they force us to serve them again? And if they can, we’re just slaves anyways.