I'm naturally coming in late to this thread, and I have no interest in reading every single post, but as a long-time teacher and a lifelong student--of chess, literature, piano, and other hobbies--I have an issue with separating talent and hard work. To me, the ability to work hard IS a talent.
As an English teacher, I had to read literally thousands of essays and term papers over the years. For 34 years I had to carefully parcel out my time--an hour here and an hour there--to get them all done in a reasonabl time frame. I marvelled at my colleagues who said they had done a marathon session of six hours or more in the evening or on a weekend. I could NEVER have accdomplished such a feat, and I still can't. I have seen students who, when asked to read silently for 15 minutes, immediately plunged into their books and disappeared, genuinely surprised when that 15 minutes went by like 30 seconds. Others in the class, though, could manage maybe one or two minutes before collapsing in a frenzy of nervous energy.
So maybe Bobby's focus and dedication and hard work were not merely the results of a phenomenal will. Maybe they in large part WERE his talent. Without the ability to sit for 10 or 12 hours at a time, focused like a laser beam, Bobby wouldn't have gotten where he did. Nor would Horowitz, Yo Yo Ma, Judit Polgar, or many others at the very top of any field.
Some can study/focus well, and some can't.
Therefore this is a skill or ability.
Some study for a long time and succeed, while others study for a short time and succeed.
Therefore there is talent beyond the ability to work.
My point Elubas, seems to mimic yours in that I'm not discounting either talent or hard work.
Talent by itself is useless. You have to couple it with hard work to get anywhere.
But I don't think that a master necessarily has any more innate talent than say a club player. What they clearly have is a work ethic. Otherwise they wouldn't have been able to become a master.
I think that some people want to say that anyone who is a NM/FM/IM/GM must have some innate talent that makes that possible because otherwise the person might have to deal with the fact that they're not a titled player themself is because they haven't worked hard enough to become one.
I'm not saying that at all. I believe strongly in Pandolfini's theory that any adult of average intelligence can become a master if they are willing to work hard enough at it.
But a Fischer? A Kasparov? A Carlsen? That's not just hard work...it's talent combined with working hard to reach the full potential of that talent.
I believe it was Lev Aronian who said that of course talent matters in chess, but that anyone could reach 2500 with enough hard work regardless of talent.