Rey has to fend for herself, get by on her own and survive all her life, while Luke sits around, chills with his friends, whines about moisture farm work and plays with model airplanes. They both have completely different backgrounds and mindsets when they get ahold of the force, so it would only be natural that Rey is more of a fast thinker and can catch on to the concept all the more efficiently.
The ‘IOU one backstory’ aspect is lame, but I’m certain VIII will forgive that. Galen Marek from The Force Unleased is likely the most ridiculously overpowered character in the whole damn franchise, and they still found a way to make the player relate to him. The same will be true for Rey, I’m sure Johnson and Kasdan will see to this.
(Also if Rey’s struggle was that much closer to Luke’s, wouldn’t it just be even more of an OT rip off? 😉)