my understanding of the homerow style is that you have a sort of assigned finger for each key. while I type, there is plenty of overlap between fingers and it's constantly adapting based on where my hands are currently vs resetting to one position
And, yeah, 120-150wpm. I wonder if "kids these days" don't type as fast because they didn't grow up with IRC and AIM and so on. Of course, they're way faster with their thumbs than I am. My phone typing started bad and gets worse every year (somehow).
So it's not too far from home row but definitely something more influenced by my gamer days than any formal typing lessons. Just tried a web based wpm test and got 90WPM at 95% accuracy. Used to be around 120WPM in my college days where I typed more essays, but these days typing speed isn't close to the bottleneck so not much need for faster typing and I guess it's atrophied some.