Seeker - we HE as a default position. We think it's best for our children. The downsides of school outweigh the downsides of HE a million to one for us.
Butterpie - our children meet way more than just priveliged children (financially speaking). We only have holidays because my parents rent big houses when they go on holiday and invite us along (although I think it's just a ploy to spend big chunks of time with their grandchildren! ), otherwise we go camping. Our car is crap. Relatively speaking, we are well off, but I think far worse off than people think you need to be to HE IYSWIM.
When we first learnt about HE, we were thinking like you, that it would be fun. We'd get to spend more time with our children, and enjoy being a part of their learning. So we read more about it. My mum (a primary school teacher) got me to read John Holt, which really decided me. Then I read John Taylor Gatto and Ivan Illich. Then I saw my children doing what you're seeing your DD doing - thriving and learning and being self-confident etc. And spent time with other HE'd children - teens as well. Then I read books that were just confirming what I realised I now knew - books like How Children Learn At Home by Alan Thomas and Harriet Pattison. I read blogs by home educators - structured and autonomous. I just have so much evidence now that HE is the best thing for our family that I can't even begin to imagine sending them to school.
Through spending time with other HEors, I've now learnt more about consensual living (also known as non-coercive parenting or taking children seriously amongst other things) and consequently feel that school, actually, could be pretty damaging to some children. People don't like to hear this, but I do think now that, for children with parents who are interested in them, like spending time with them, engage with them and create opportunities for interesting activities etc., school is at best a waste of time and at worst very damaging.
Clearly for some children it's essential, helpful and it's the only chance they have to survive, let alone thrive, but for many it isn't.
We can learn in 5 or 10 minutes at home what it would take several lessons to teach in school, because we can do it when it's right for the child, so it gets absorbed immediately IYSWIM. A fifteen minute indepth conversation with a child initiated and led by them will create far more real learning than a term of planned activities on a topic.
School just seems like such a waste of time, when you look at it like that. I can't think of anything good a child would get from school that I can't find a way of providing 'at home'. And the children are so free. I find it so depressing when I hear parents saying 'after school, he's got this club, and then this club. He doens't want to do club A any more, but I told him he must do something, I'm not having him hanging around the house doing nothing'. Why not? I want to scream! Why can't he hang around the house doing nothing? That's where the best ideas and imagination comes from, doing nothing; being bored.
My children watch something on tv, or have a conversation about something, or read a book about something, and then spend hours and hours playing really indepth games about what they've learnt about. They're really solidifying their learning by playing it out. How would they have time for that in school?
Ok, I'm rambling now, and I'm aware I'm going to have pissed off a lot of people, but if I didn't feel strongly that HE was best for some pretty valid reasons, then I wouldn't be investing so much in it (financially, emotionally and in terms of time and energy).