Perhaps 5% of people may develop an understanding past that.
I myself, as a calculator and math geek, after using just about every damn mid/high end calculator out there (TI82, TI83, TI89, TI nSpire CAS, HP48GX, HP50g TI92, Casio 9750G, Casio Algebra Fx) ended up using a shit Casio through school and my degree and Postgrad study. Conclusion:
Buy the best non-programmable Casio you can afford and leave it at that. My most useful device was £15 (Casio 991 ES PLuS). Its an awesome device. That and a mechanical pencil and some grey matter.
The TI dependency is a symptom of sickness in the system, nothing more.
Edit: found it. This is what I had: http://casio.ledudu.com/images/calculs/casio/machines/fx991V...