I will confess to feeling a little intimidated to post here, as I'm really not a "classical" homeschooler (I registered with the unschooly social group, but I'm not allowed to post or reply to a post). Anyway, my kids are older now and I don't have any practical advice for the OP, but my experiences are more like Ellie's (post #6). We didn't focus one way or another until they were older and it became relevant to them. Each child then approached learning higher math or catching up to their peers differently, and some even trying to avoid it because it intimidates them. I feel like I can better serve the avoiders by helping them see that they're not really solving their problem by avoiding what looks daunting. Furthermore, they'll find greater satisfaction in the long run by spending the effort now, because the future reward they're looking forward to is that much greater than the immediate reward they see now. I think that's a good lesson in general, and so that just applies to learning math in the same way it applies to learning how to do your own laundry or make your own juicy burger or how to discuss a delicate issue with someone. By the way, the older ones have not experienced any unusual burden for not having done math lessons in their youth. For some it came easier, for some it was more of a challenge.
I don't know if that helps or if it's too vague, and I don't think it's really what the OP is asking for because it sounds like she wants to do traditional math lessons, thus my feeling awkward replying, but, well, thanks for asking. ;-)