This is interesting. We never learned gemara. Sure, lots of mefarshim, but not gemara inside. The way it’s been presented is that the standard BY chinuch isn’t preparing us for learning like the boys’ chinuch, e.g. flashcards, starting at a young age, focusing largely on gemara, etc. For good reason: it’s not for dabbling and women don’t have the time men do. I could go further and say it’s not satisfying for most women because it’s so theoretical. If I want intellectual stimulation there are classical sefarim or lehavdil secular stuff.
Now one might argue that to really, really understand even Rashi you need some extensive background but considering that we start so young, for boys and girls, I would venture to say that the mefarshim as in Mikraos Gedolos and contemporary mefarshim are still of a very different quality. And they help us understand pshat as well as provide the hashkafic basis for what we’re supposed to get out of our learning. (Rav Hirsch is a must for any teachers, as much as is feasible.)