I hope these examples will clarify the difference of BT and GT a little.

Human/Humanoid:
Basic Talents

• Natural tendencies
• Biological (Genetic, Bodily) background

• Learned skills
• Profession
• Stuff alot of time was spent on

Ship:
BT

• Structure (basically what it had out of the factory)

• Aspects of the current crew
• maybe current load etc.

Computer:
BT

• Harware
• Processing Power etc.

• Software
• User

Cruise Missile:
BT

• Speed
• Range
• Explosive Power
• Control Circuit Intelligence
  

• N/A

Secret Agent Organisation:
BT

• N/A (maybe Government Support)
  

• Leadership
• Funds
• Tech Level
• Manpower