I'd say rather than humble or modest, you are beign HONEST. You are being modest when you know it was a good explanation but don't want to look like you're bragging. I'm sorry.
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A Cornish PastyIn colloquial speech, both are fine, although I would say "I'm" instead of "I am", and "not very good" instead of "not really good", which rolls off the tongue better.What's the difference between 'sorry' and 'sorry
In writing, "Sorry, I'm not very good at explaining things". This one sounds better if I'm trying to be modest.