There are most definitely students who benefit greatly from being accelerated in math. But I sort of agree with @joecollege44 that this has taken on a life of its own.
Old timers here will remember that we were the very first parents in our middle school history who actually declined having our kid accelerated in math. When the recommendation came, we asked for a compelling reason why we should do this. The math teacher and math department chairperson couldn’t give us one. So…we thanked them and said no…thus offering up a spot for all those whose parents had already complained that their kid was not selected.
Our kid was a very strong math student…and she actually excelled in the higher level math she took in college. But she definitely benefited from the strong foundation she got in MS and HS.
If this OP has the option of taking precalc as a HS freshman, it sounds like she is more than two years accelerated, right.
I would suggest she have a very serious discussion about this with her current math teacher and the department chairperson at the high school.
I’m still trying to wrap my head around why college algebra would be a choice…maybe someone can explain.