here's something more to add to the equation, perhaps midi-clorians equate to mitochondria, in that case the average person would get the majority of their mitochondria from their mother... if you get enough you're force sensitive, if not tough luck. in this case it would be sort of a big craps shoot who lucked out and who is stuck without the "gift". especially if the numbers of midiclorians in normal people is usually small. it would have to be a lucky turn of events that put all the midi-clorians from the original cell in the end ovum after all those rounds of meosis.
Anakin apparrently would be the exception, since the force apparently forced multiple midi-clorians into the cells that made him. My big genetics question if this is what happened, is where did that Y chromosome come from?
Since midi-chorlians APPEAR to be hereditary, we can assume they are genetic. So Force powers and talents CAN be passed on, though at different degrees to different children.
If Glentract is right, and Plagueis is the "father" of Anakin, does that mean he had sex with Shmi? Apparently not.
He used the Force and Sith alchemy (or something) to arrange the midi-chlorians on a genetic level to create Anakin. But that doesn't necessarily mean he implanted his OWN DNA into Shmi.
I think they weren't allowed to mate in KotOR. Because Bastila mentions it a couple of times. Not like she say's "The Jedi Council won't allow me to love you Revan!". She just says stuff like "Such feelings are beneath me". Leading me to believe that she thought she had mastered her feelings. And that Jedi were not allowed to mate, that or she was just afraid to love a Sith Lord.