Let me muse a bit. My mother was a fiddler who played entirely by ear. When I was a child there was a musical instrument case under and behind every piece of furniture in the house. She had fiddles, guitars, banjos, mandolins and even an upright piano. On occasion other musicians would drop by for a session. I took all this for granted, really. My interest didn't really get piqued until a pianist who could read music came by and I watched him sight-reading. Now that was interesting! How in heck do those dots get converted into sound? The music my mother and her friends played, jigs and reels, never really caught my interest. What did was birdsong. We lived in the wilds of northern Canada and I used to love to wander in the woods and listen to birds. My version of ear-training was trying to imitate their calls.
When I was eleven, my mother signed me up for piano lessons, but I never quite got interested and kept forgetting to go to the lesson. I think it was the repertoire that turned me off... When I was fifteen for some reason I started to listen to records. At first pop music and popular classics as that was all we had. Then I got the urge to play guitar. I started playing bass guitar in a band. I also wrote a lot of songs. Bob Dylan was a big influence. One day I got the urge to write songs with orchestral accompaniment, don't remember why. I realized that those guys needed everything written down, so I taught myself musical notation. I don't think I know of anyone else who has done that, offhand. When I showed the score to a music teacher all he said was, "normally, the accidentals go before the notes!" Heh.
When I got a real exposure to classical music, in my late teens, I set out to become a classical guitarist. But I always composed on the side. Often years would pass between compositions. But looking back now, some of them were not too bad. I just didn't think that was my real vocation. Now I do.
What do I think about musical talent? Well, some people do seem to have a real facility. But I think that what really matters is interest and discipline. You have to be really interested in what you are doing. This leads to wanting to do it well, which leads to discovering how to work: discipline. The biggest enemy you have is probably yourself: lack of self-confidence and emotional turmoil can really blind you to what you are doing wrong.
So I guess that while musical talent obviously does exist, the implications of it probably don't matter as much as you think. In the absence of interest and discipline it is worthless and with a lot of interest and discipline, you can pretty much make up for it. Occasionally through a confluence of talent, early exposure, being born into a musical family and being born at a time when all the historical forces seemed to be in harmony, you get a Mozart. But if Mozart had been born into a different family at a different time, his talents would probably have counted for much less.
Put it this way, if you play interesting music in an interesting way, I'll listen to you!