I am glad you had it easy-not everyone can and does. I personally had trouble with a lot of (but not all) the material primarily because A) I had no means of seeing this material on real life gear and B) Because I just didn't like the way I had to learn it in school.
I agree-things like RIP VLANs, DHCP and toplogies are not difficult-its the sum of the parts.
And that's the big problem. The individual steps aren't that bad, but the problem with the CCNA is that it throws everything at you, and there is very little room for error. You need to get 85% correct, and there isn't a lot of time to do the test.
As for certs, they are another checkbox. IT manager gives a list to the HR people and says look for these qualifications and certs, and we narrow down from there. The federal government (well, DOD) is especially in love with certs, and in fact, requires them for you to stay employed in IT with them. I have a lot of respect for some of them, like the CCIE, and the SANS security certs. Those are actual hands on techniques in class, not just a bunch of memorization. In the Incident Handling class, for example, the final lab of the class is a "capture the flag" exercise where you try to break into other teams' networks and own it.