The math of talent actually underestimates the the intended effect - the difference is supposed to be even larger than that in-story. We discussed changes to the formula to represent things better at the start of Threads, but everyone got sick of arguing about math so it never got implemented.
I think it's probably best looked at as a kind of 'luck' stat. Not
exactly, but kinda. Mechanically it would simply mean using a different roll table for the spread of results for any given roll in which 'luck' is involved. Exploration, random encounters, etc.
Like, a low-talent character rolling high on a d% on a 'who shows up?' roll would get... someone willing to hire them on, or a shot at rescuing the local Baron's young son/daughter from something they can actually defeat, etc. Good, great even! ... for a talent 3, Guard-For-Life type of person. A low talent character who rolls
low, on the other hand, hits a spot of bad luck. Petty thief makes off with their coin purse, or a lesser spirit messes with them for a bit.
A high talent character, on the other hand? Runs into the local embodiment of a Great Spirit*. While they're looking for something completely different, if they're even looking for anything at all, while on a low roll they find stuff that's still
useful - and substantially more useful than what the low talent character would find on even a high roll - if not incredibly so, like the couple dozen yellow stones we picked up.
*: I
think we're 3/3 on the final result of 90+ (after modifiers) resulting in running into an Aspect of the Moon? That 96
waaay back during Zhou's first test - where we met Xin for the first time - then the Bloody Moon year 2 month 2, then this. Granted, this event folded that roll into it, so we don't know the results of the roll just yet. I don't know if there even
was a roll for the Dreaming Moon Rave we ran into... I think it was a plot hook from a job, so no roll was used or shown? Not sure.
E: Fluff wise... power attracts power, or something along those lines. Or perhaps potential attracts power? Eh, not totally sure how to phrase it.