Some people say that successful athletes are born with their talent, while others say thattheir success comes only through hard work Explain which of these statements you agreewith and why. Include details and examples in your explanation.

No, don't use personal experiences in speaking either. When you use personal experiences, most likely you are going to make a big story and it is going to leave no room for other contents which are important too. Examples in speaking should be simple, general. one sentence could be enough for an example.

We like this pattern for Q1-Q2:

first 1-2 sentences: introduction. my opinion: A or B. agree or disagree. about 5-10 seconds

First, reason 1 (1 sentence) + why reason 1 (some arguments. 1-2 sentence) + a small conclusion for reason 1(like advantages of reason 1 or comparisons if not reason 1, 1-2 sentence). // about 15-20 seconds

Second, reason 2 (1 sentence) + why reason 2 (some arguments. 1-2 sentence) + a small conclusion for reason 2(like advantages of reason 2 or comparisons if not reason 2, 1-2 sentence). // about 15-20 seconds

Conclusion: Don't need a conclusion. (you can have one only when you don't have something to talk about)

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An example (Eating at home or restaurant) for First:
First,reason 1 (1 sentence: Eating at home can save money) + why reason 1(some arguments. 1-2 sentences: I can prepare cheaper food from food market; I don't need to drive or take a bus to reach the restaurant;) + small conclusions ( 1-2 sentences: with the money I saved, I can buy a good book to read; I can use the money for a trip...).

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There are some top user on speaking here:
http://www.testbig.com/comment/60517#comment-60517