Yes, I know that is not how genetics work. But I don’t think the subject of genetics has ever been mentioned in the level of detail you are discussing in star wars before. I felt if nothing else it could slip through the cracks as an in universe explanation versus no explanation at all.
According to George, Star Wars is made for middle schoolers. At least at mine, we were taught the difference between XX and XY. I don’t think Star Wars needs to cover these details as assumably they will be the same in the Star Wars universe as ours.
The only difference between our concept of cloning and the one seen in Star Wars is that clone troopers were raised since babies. At the same time, we see that clones of Moff Gideon and Palpatine function like in real life, where they exist at the age the sample was taken. So this way both methods of cloning in Star Wars are used, along with some genetic manipulation (Rey).