No, you're not getting full value for money at your current school.
No, you're not expecting too much.
"out to the the a/c and off we go"
If that means you walk out together, it's more than some instructors do. Perhaps the (sadly) very common 'Do the pre-flight and I'll come out and join you' comes next? Followed by the equally (sadly) common 'Start it up and I'll come and join you.'
I don't know the answer to your exam passes question, but I can't see why they shouldn't be valid anywhere. Ask for written confirmation that you've passed.
I doubt if a more 'regimented' school would ignore what you've done to date, but they'd assess you on what you've learnt/been taught rather than by what you should have learnt/been taught by this stage.
"I am an ordinary guy who has saved hard to realise a life's ambition."
A very good reason to train at a school where you get value for your savings.