My take on it is this. We have a life path which has predetermined life lessons for our souls but we have complete & utter free will to learn these
lessons.
We have life altering experiences, some good, some bad & it's how we handle these situations for our souls to be able to learn from them.
For example, most of us have a psychological fear of something whether it be afraid of heights, afraid of spiders, social anxieties etc..
Now what you find is that life will put us in situations where we are faced with what we fear, now you can face your fear at this point or run from
it.
If you run from it, you more often than not will find yourself in situation where this fear will be realised once more, that is unless you become
irrational with the fear & avoid situations where the fear can manifest itself.
This continues until you isolate yourself from it or you understand why you have an irrational fear & resolve it completely.
We also have amazing talents within us all which IMO are predetermined before we are born, a lot of us never use our talents & sometimes aren't even
aware of them.
I'm sure we have all been drawn to certain things throughout our lives, for me personally it's been motor racing or anything high speed & technical.
When I was a kid my careers advisor asked me what I wanted to be when I was an adult & it was to be a fighter pilot.
Now as an adult I have recognised the skills I have & they are consistent with a fighter pilot, I have lightning reflexes, great spacial awareness, a
very quick brain, good judgement of speed & angles.
I think I would have been a very competent fighter pilot had I chosen that path. My point being is that I was drawn to a profession at a very young
age that was perfectly suited to my talents.
I chose to go down a different and easier path but one that also has built me a very healthy career & utilises my talents in a different manner.
But I still have a strong desire to do something high speed & technical which is why I'm now checking out what's required to become a pro racing
driver.
So I believe we have both free will & destiny, it's just that we might exercise free will & lose destiny or vice versa. And there will always be
obstacles to overcome because that's how it works, in order to fulfil your destiny you need to overcome personal obstacles for which your life path
has chosen to give you.
If we don't overcome them then we get another chance to overcome them in the next life & so on until we have learnt all the lessons of life.
Then we return home for the next universal game.
I did have a lot more to say regarding this but it's late & i have an early morning.
Good post OP.