Further, some states in the US have great CC -> 4 year programs. California comes to mind. Graduate from a Cal CC and you're guaranteed admission to UC. A lot of kids in the bay go to Berkeley to finish their 4 year.
The excellent instructor thing isn't a joke either. You really don't need a top PhD student to teach you Calc 1 + 2 (assuming you're doing a STEM track). It's really just about getting the reps in. You're going to be a bit weak on proofs + theory, but you'll be solid on the basics.
The bright classmates thing is a bit real, but you have to find your motivation anywhere.