If you actually hit your ceiling, you will have become a stronger player than you ever believed possible
Talent vs Hard Work

Hard work beats talent when talent doesn't work hard.
Even if a person has enormous natural ability (No, everyone isn't equal in natural ability), they still need to put in a lot of effort/hard work to achieve great success. A good work ethic is far more important that being very talented & lazy.

11.5 year thread necro of what was already a fairly pointless thread in the first place. Impressive.

In the end, what's most important is achieving your goals and feeling fulfilled by your efforts, whether those efforts involve building on natural talent or working diligently to improve.

Success = Talent X Hardwork. You cannot achieve anything without putting an effort and the capability to do so. It is true that some are talented and all of us are not born on equal footing. Even though, I still enjoy playing chess.

Talent will determine your possible upper limit in chess; work (study, practice) will determine how close to that limit you will get.
Some people with extremely great amounts of talent will get greater results with what seems like very little effort because their superior insight enables the work they do to be applied in the right areas to yield the greatest results.

The relationship between natural ability and training is complicated. In many areas, especially regarding the mind, no one knows for sure that natural ability even exists, nevermind how to determine whether someone possesses it. The only thing we do know for sure is that while you believe that you're not capable of doing something, you're not going to train to do so.
I don't care. I respect that some day I will hit a ceiling but it's beside the point. Chess is an adventure first and foremost.