Hi Jillian,
I have been debating to post and ask the pretty much same question. So, no answer here, but I can share some of my times, so you can compare yourself to a real normal person

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I’m 37F, 163 cm (guess that’s about 5’3). I have started rowing last year in November, after work on Friday afternoons with a bunch of work colleagues. I have never really done any sports and am not competitive. We would normally row around 8k, in 4 sets of 2k. I didn’t record data, my goal was to survive and eventually become a lightweight (go from 64ish kg to 61.5kg). Initially, my splits were around 2.40 average over the 8k.
Sometime in January or February, I’ve started to row 3 times a week, to see if I can actually improve. I’d normally row 6k on Monday and Wednesday and 8k on Friday. The goal was to row all 2k sets under 2.30 or 10 minutes. I started to track my exercises with the concept2 app mid-February (because I want a million meter t-shirt)
So, in February I would row something like (2:23, 2:23.6, 2:25.5, 2:28.4 and the last one was HARD). My best 2k was at 2:17.6 (9:10.4). I felt like (and still do) my times depend more on my shape of the day than actual improvement. Early March, I did a 1k at 4:21.3 and my last 2ks of the 8k still feeling very hard (and sometimes be above 2:30).
Then Corona came and I splurged on my own model D. First row on my brad new machine was an accidental PB 2k at 9:01.3 (2:15.3), so new goal was to row the 2k under 9 minutes. So, very far from the 8 minutes Dangerscouse mentiones. Now I row between none and around 30,000 meters a week, sometimes push myself a bit and sometimes just row while watching a TV episode.
I have also realized that I will never be fast, and row different distances - like 3k at 2:21.4 (not trying very hard) and 5k at 2:22.6, which I am very proud of. I have done one 10k row, but don’t feel I am strong enough yet to enjoy rowing distances that long. Thus, I feel the very much talked about Pete Plan is not relevant for a perfectly normal female. My new best 2k is at 8:56.4 with no intention to try again anytime soon. I have ranked my 2k and 5k and they are pretty much the 50th percentile, which I am super happy about. When I try a bit harder these days, I row my 8k in all 4 sets just under 2:25 and feel great afterwards. With summer being over soon, I will start working towards a more steady 2:20, eventually get a t-shirt and enjoy rowing while doing so.
I haven't worked with either app, but the hydro looks like fun. I'll probably check the free trial month out. I agree with the above and would log some workouts and browse the ranking results a bit and then find goals which you mind motivating and achievable.