Absolutely this. My DD15 is interested but will have to navigate through the maze of admissions.
I was in the same boat. Wanted to apply and was probably bright enough. Found the decision making and process really difficult. Which one, Oxford or Cambridge? How on earth you work out which colleges to target? There seemed to be so many variables, and I suppose ultimately I didn't care enough to work through them or find someone to help me.
I was having a ball in 6th form, going to parties, taking part in all kinds of extra curricular things, had a Saturday job and a dodgy boyfriend from the wrong side of the tracks who I was obsessed with 😂 and in the end I was a teen who just couldn't be arsed with it.
Got 3 As and went to Warwick, had a brilliant experience, year abroad, great friends. Sometimes I think I should have pushed myself to apply to Oxbridge but it was the right decision at the time.
I also did a joint honours degree which wouldn't have been possible at Oxbridge and that was a key part of the decision as well.
Late 40s now and high earner in the city. I honestly think the joint degree made me more employable.