I agree. I think there is so much "my style" and "your style", people forget that we are individuals and the only style perfect for you is not created by someone else.
Most everyone I have run into who actually tried to create their own system without a strong base in some existing art have pretty much sucked.
I would have to agree. Natural talent will only get you so far. Without a strong base everything comes crumbling down.
Getting back to the OP, I would agree with previous statements find some formal instruction. Maybe see if you can get some introductory classes. Experience any MA by just getting together (while it maybe fun) will limit you in the long run. Their is absolutely no replacement to learning from an experienced teacher.