I'd give that rate. Matchmaking is super fast, clubs are great and engaging, lessons are very helpful, and I almost never face cheaters. I'm being serious
Ill tell you why it's not this rating, clubs are not as great as you think. Full of trolls takes chess.com weeks or even months to take action on these trolls, after 2 years still haven't found a way to get rid of them, everytime I go to play a game the site is lagging and not loading properly litteratly the day I posted this forum too. Members get away with smurfing or sandbagging way too often because when I play rated which is rare now I'm always playing 1200s who played like 1800s or 2000s or had 1600 blitz
Chess.com actually thinks they are that good