Oh, I remember this. The unfavorable comparisons and comments from people whose children met their milestones and your child hasn't, so clearly you are doing something wrong are so bloody exasperating.
My son had maybe 10 words by his 2nd birthday, and didn't really use them much either, preferring to communicate with pointing and grunts. Like your daughter, his comprehension was very good, so we didn't worry about him too much.
Then at about 2.5, he just started talking. He went from minimal words to sentences in the space of about a week. He will be 3 at the end of July and some days I wish he came with a mute button! He never stops talking, has an excellent vocabulary and enunciates well enough to be understood most of the time - even by strangers. If anything he now talks 'better' than some of his peers who started talking at the 'correct' time.
I don't think my experience is that uncommon either, as I've talked to quite a few mothers who had a child who was slow to start to talk compared to their peers, but rapidly caught up and did not turn out to have any additional needs.
I don't know your daughter, so for all I know there might be a reason for you to worry about her speech. But I also know that limited speech at her age definitely isn't always a sign that something is 'wrong' either.
That said, if they offer you speech and language therapy for her, take it. It won't do her any harm, and just might help.