"98th-percentile fluid IQ" - I am not familiar with that terminology. Care to explain a bit?
"average intelligence" - please define this term.
IMO, if someone needed to extensively learn things by heart for his/her day-to-day tasks on the job, he'd be below average intelligence from my point of view, even though knowing things by heart might be handy at times.*
I agree that specialization is needed for success for most people, as knowledge has become to extensive.