NYC Actors Over trained?

I met a film casting director the other day and she mentioned to me that actors in NY are doing the MOST! Aka they are training too much and have a too polished feel to their acting. I understand what she means by this because I do meet a lot of people who pay a lot of money to attend so many classes every week even AFTER graduating from a 4-yr instiution and paying $40,000/yr. So where's the balance? Should we rely on our raw talent and try to make the most of that? Or should we constantly be training for our craft? When is it really just too much? How can we measure it.....?

I wonder.....??