In high school, I was a tutor for a non-accelerated, non-honors class that was about at this level in high school. After years of being in the accelerated course, it was a bit of an eye-opening experience. There's a lot of people who are just passed through this stuff with a C-, and I'm not even sure that's wrong, because there's a lot of people who just aren't ever going to get to the point where they can fluidly derive any of these equations. What you, and probably a great deal of the HN commetariat experience as "average" is actually way above average.
(And the students I was tutoring for, in the parlance of the day, would still mostly be considered "privileged". I would still not be calibrated for the mathematical skill of the truly disadvantaged.)