I think you have the general idea. I'm dating myself a bit, but the book The Queen's Gambit by Walter Tevis (still my all time favorite chess fiction book) from the 80's brings together most of the ideas you speak of. If you're thinking of writing a piece of chess fiction Please....DO IT!! There is not nearly enough of it out there.
Another idea you might consider is of a chess player of average talent who becomes a strong player by means of persistence and well organized work habits simply because he or she loves the game, and wants to play it well. Following their progress from beginner to master could be a book that many players can relate to.
And then, of course, there are the chess stories where the actual chess doesn't matter at all, but the chess player does. Nabokov's Defense, for example, which I found interesting, but a greater insight into Nabokov's own obsessive hang-ups than into the psyche of a real chess player.