HB,
You are back on this kick again. The reality is far different. When I sit in a service, I carry something different than the version teh preacher is preaching from so that I can understand better. I can hear. I don't need to both read and hear. By reading in a different version, I can get a better sense of the text.
SEcondly, if a pastor is preachign correctly, then he will preach the text, not the translation. A proper message will preach from any faithful version. If he has done his homework, he will reference major translational differences. I had to do this last night in 1 Thess 4:15 where the KJV is so outdated as to give a completely wrong message. No one there had a KJV so they weren't terribly confused by it. But they could have been and if they believed the KJV, they would have been wrong.
Thirdly, if you have a question, ask your pastor or someone who knows. I have people all the time asking me questions. Last night, for about 15 minutes before our Bible study, I talked with a group of people about James 5:13ff and some confusion that had come up from Sunday's ABF class that I wasn't at (because I was teaching the teen class while our youth man is on vacation). The simplest thing is "ask" if you are confused.
Lastly, don't assume that people have the same struggles with the text that you do. I have found very few people who face these kinds of issues in reading the text. I routinely have four different versions in my ABF class and I wish someone would buy an ESV so we could have five. I routinely ask people to read from different versions and if there is a different translation, I pick someone who has that translation on purpose. It is a great chance to show that the word of God is the word of God even in other translations. More and more, it sounds like you need to avail yourself of a good Bible teaching church that will help you to dispel some of these notions you struggle with in this area.