The major reason why some rishonim [mediaeval authorities] hold one ought to learn Physics and Metaphysics is that they see this as the fulfillment of the commands to love and fear God. So the issue does not depend on talent. Rather they see these two subjects as an integral part of Torah. But as you can see in the Guide for the Perplexed that they were referring to these subjects as understood by Aristotle. But they have gained in the meantime. So I think that today one ought to learn Physics up until String Theory. Metaphysics is a bit less well established --exactly what it includes. I suggest Kant, Fries, Leonard Nelson.  [There is a certain tension between this school of thought and Hegel, but both seem to have good points.]

  Kelley Ross has a  great web site introducing the approach of Kant and Fries 

SPERBER also has a nice essay on this