You need both to understand how to do the math and also understand how to to the process. Getting the right answer without understand how you got it really isn't any good; understanding the process then screwing up the basic math isn't any good.
If I know that 3x4 = 12 but do not know to multiply L x W, then I won't get the right answer because I don't understand the process of how.
If I understand to the process and know to multiply L x W (3 x 4) but give 11 as the answer, then I won't get the right answer because I didn't do the math right.
As someone who sucks ... and I mean SUCKS at math ... I struggled with it all through grade school, and summer school before high school, high school and college. Had to take the 'refresher' course before I could take the math I needed for college. Seriously, my brain doesn't do math well at all.
I remember not understanding the process and therefore not getting the right answer, so I got the whole thing wrong. I remember understanding the process (at some point, sometimes, something clicked) then I'd screw it up by doing the basic, simple math part of it wrong. And it would happen again, and again, and again. The nuns marked it wrong. Later, in college, the teachers would give me partial credit.
Thing is, when I was young and I made a dumb math mistake and I'd get the whole answer wrong? I always thought it was because I didn't understand the process ... even when that part was right. If the teachers or my parents went over it with me, I'd see my mistake. But when the next word problem came along? Lather, rinse, repeat.
I can't do math in my head either.
I love calculators.