I think you can achieve tallent over time, but if you are born with a "talent" it makes the process a lot easier. For instance, I was figuring out songs I heard in church on a fisher price piano when I was about 7, playing things like joy to the world, etc etc.. So that obviously set off a red flag to my parents, who made sure I signed up for band in 5th grade. Played trumpet, I was always first chair, I hardly had to practice, it just seemed easy. Then I started playing harmonica for fun.. that too, could play w/o much effort.

So, as I get older I wanted to play guitar.. no problem, started that, and within a month I could pick apart songs and slowly figure the notes out. The only thing that took time was learning good technique, learning where to place my fingers and training them to do it quickly.

So yeah, if you are born with somewhat of a musical talent, that's great and it will speed up the learning process with any instrument. But say someone who has never touched any instrument before, can't read music, and doesn't even listen to music that much.. chances are it will take them a lot longer to progress the same because they need to learn the other stuff.

I guess you can't really say you are "born with talent" because to some degree you really only develop the necessary brain activities to trigger a talent at a very young age. So I think it has more to do with what you were doing when you were really young and what exposure you had.