The CHQ 145 program is supposedly difficult...I don't know cuz I have nothing to compare it to. My time on the 145 has been pretty lax. Yea, training was a little difficult, but not overly so. The oral and checkride were precise and to the point. The PC one year later was a non-event. All in all, as long as you show up and do your stuff you'll be fine. If I could do it, I'm sure the vast majority of you all would do just fine.
FWIW my class went 19.5 for 20 on initial FO rides. One kid failed the oral, but he made it up the very next day with no problems. I think he was just one of those people that had trouble memorizing stuff and got real nervous.