I don't go for this distinction. Sure, you can always take two words or phrases that mean the same thing, and then play around with making a distinction between them, and sometimes its fun and sometimes its useful.

But in this case I think it's better to use the one word "musician", which links us all together, rather than try to break us down into ins and outs.

There's great musicians and there's good musicans and there's struggling and failing mysicians and all that. And there's times when great musicians play way way below their true standard, and times when normally ropy musicians play way way above their normal stadard.

It's like we all talk, but some people are orators with golden voices, and most of us aren't and haven't. What really matters though is how we use our ability to talk in order to communicate with each other - we can lie, coax, help, hurt... Music's a language, anbd thge instrument is our way of talking that language.