This is such an individual decision. Our DD is not challenged at all at her small private school. There is no gifted program etc and they really do not have the resources to do a lot. She does online courses through CTY and she works with a math professor a few hours a week for math enrichment (all extras that we pay for). However, she is so happy socially that it makes up for it. She has wonderful friends, she is loved and accepted quirks and all and really gets to be a leader. Those things are as important, if not more so, than academics in our family. I think it is always a juggle and you have to decide what to let go.