if Naruto didn't have talent or skill he wouldn't have been capable of learning
-Shadow clones by himself at 10 yrs old
-Rasengan an A class jutsu that requires dang good chakra control
-Sage mode which is something not just anyone can master
Naruto had the talent, but because his parents were dead, no one was there to develop his abilities till Jiraya came along. Naruto talent is in doing something rather then explaining it.
On the flip side, I wonder if having the sharingan is mistaken for prodigious talent since it gave you:
-Precog abilities
-Copying abilities
-Chakra sight
Not every Uchiha is Madara Itachi Shisui and Sasuke. Obito was a straight scrub before he awakened the sharingan. Heck, give Naruto the sharingan and I guarantee you he wouldn't have struggled near as hard as he has. Most of the Uchiha benefit from there KKG more so then actual talent. You ever seen what a non-sharingan Uchiha can do? They obviously exist because the sharingan is not guaranteed within the clan.