Theory 5: GPT-3.5-instruct plays chess by calling a traditional chess engine.
replies(5):
I agree with GP that if a 'fine tuning' of GPT 3.5 came out the gate playing at top Stockfish level, people would have been extremely suspicious of that. So in my accounting of the unknowns here, the fact that it doesn't play at the top level provides no additional information with which to resolve the question.