Truth be told few people have raw natural talent that sets them apart from the masses. Sure there are exceptions, but natural talent that borders on virtuoso or prodigy isn't as common as one might think.
In my experience you either have innate talent or you don't. Anyone can learn to play and instrument but few are born masters of their instrument. Those I've met who were taught how to play usually lack that certain something that sets them apart from the pack. Again there are exceptions but rare ones at that.
I could learn to play guitar but I'd never play like Chet Atkins or Eddie Van Halen no matter how much I practiced. Same goes for Piano. Just because I can strike the keys doesn't make me Mozart, far from it.
The biggest thing I've learned from being in the music business for so long is true talent is rare and mediocrity is the norm. I'm always amazed when I see live talent just how bad the majority of it is. The problem is too many people coddle those near them, praise them even though they lack talent, and propagate the sea of mediocrity in the music world. I don't profess to be a great musician but I do have the common sense to know my abilities or lack thereof. I've been fortunate enough to do well playing music, composing music, recording music, and helping others. I play music for myself and if others like it, great. If not that's fine too.
The one reality most people don't want to face is reality. Lack of talent is exactly that and few people can take criticism well be it constructive or otherwise.
As for gear... I'm no technofile but I make it a point to learn my equipment to use it to its full potential. No amount of gear can make up for lack of ability no matter how much money you spend. It would be pointless for me to know the inner workings of my gear if I couldn't play it.