Have you read The Fountainhead by any chance? :)
However, even simpler perceptions can be affected by our environment. For example: http://en.wikipedia.org/wiki/Asch_conformity_experiments "a high proportion (32%) conformed to the erroneous majority view of the others in the room when there were at least three confederates present, even when the majority said that two lines different in length by several inches were the same length"
If you were to change the word perception to understanding in your essay, I would agree with you except when you say: As far as you can tell, that frame is reality. This is a big philosophical statement that a person actually manufactures reality in their head, which clearly isn't the case. It would also handicap people with that view, if they were really to try to live it consistently (which is impossible), from creating products that customers value because they would rely on their own manufactured reality in their head instead of looking out at the world and inductively and objectively determining the values people were really looking for in the products being produced. I'm guessing you really don't hold this view though.
This realization actually HELPS us create products for other people, because we understand that the reality inside their head is different from our own, and can attempt to model their reality as well.
Here's another example, imagine that you are a creationist faced with fossil evidence for evolution. How do you deal with that? Maybe you think, "God must be testing my faith", after all, isn't that exactly what a meddling god would do? Now the fossils are proof of your meddling god! (who else could have staged such a clever test?)
A person has to be pretty far gone when they have automatized evading perceptual evidence to such a degree that they are no longer able to be consciously aware of the contradiction between their beliefs and what they perceive. This kind of evasion can be seen in cults, extreme religious groups, extreme political groups, where extreme = evading perceptual evidence that disproves your held beliefs. Usually group pressure is involved to automatize the evasion.
Perception (and I've been using it in the strictly integrated sensation sense) is our link to reality that enables us to make sure that our mental models don't fall off the deep end. Evade perception at your own peril.
Now to say that our prior thinking can change our perception, I disagree. I think that people can actively evade perceptions they have by trying hard to ignore them, especially those perceptions that indicate that an idea held by the perceiver is incorrect in spite of the emotional need of the perceiver to continue to hold the incorrect idea.
You say that As far as you can tell, that frame is reality. Clearly, a mental model is not reality, it is a model of reality. If your theory were true, we probably couldn't even participate on this forum as our differently modeled realities wouldn't allow a common language that so relies on commonalities of perception and concept formation.
But I agree with your actual point that it is important to associate with people who share similar views about the world, people who have a similar sense of life. It can be very destructive to a person's view of what is possible in the world if everyone they spend time with is pessimistic and skeptical.
When I was in Architecture school, all of my professors tried to convince us students that there were no new ideas, everything had been done. That nothing great was created/designed/invented by individuals, it was all thanks to groups. That the heroic in architecture was impossible and undesirable. That Wright's Falling water was banal, just a bunch of concrete plates stacked up above each other. All of this foolishness was washed away when I worked for Paul Rudolph in NYC who single handedly was designing some of the most beautiful and heroic buildings I had ever seen. The experience saved my world view of what is possible.
So my advice is to find the very best in whatever your field, and learn from it. If you aren't able to do a startup on your own yet, find a startup that is the most innovative with the best ideas, and learn from them. Don't let the pessimists get you down, but stay grounded and realistic about the possibilities. Too much optimism can be a bad thing as well, but keep in mind that great things are achievable.