Well, having wealthy parents would certainly help out with the whole "paying for college" issue. The fact I'll have to go to graduate school doesn't help to lessen the amount of loans that I have.
Genetics... What an interesting one for me, I'm not sure how I could place myself. Physically, I'm average or sub-average in just about everything. Intellectually, I would say that I'm mature beyond my age, but I don't think my "intelligence" has anything to do with genetics. I'm a pretty naive person, and don't exactly have the best confidence in myself. That's just how I've always been, not for any particular reason.
I can be book-smart, but only when I do about double the work it seems like the average person has to do. I have to dedicate a lot of time reading the material and try to make sense of things. In fact, when I was a kid I was almost placed into special education - actually, my teachers were pushing my parents to put me into that program, saying that I could never keep up with my classmates. My parents resisted and spent A LOT of their evenings with me doing my homework. Still, I barely passed my classes until middle school, where I started getting better grades. I was at my best in high school and this is where I really started to bloom.
I had to work very hard for that, though, and I still do in college. This could be a quality that might be looked up on or down on in the professional field, I'm really not sure which. Would someone hire me because I know the meaning of hard work in order to accomplish something, or would they want to bother with someone who might take longer to understand something?
Having neither "superior" genes nor wealthy parents, I would say that, in my current position, I would prefer the superior genes. The wealth might be good to help pay for my college tuition among other things, (being able to pay for emergency payments, having somewhat of a luxury, stuff like that) but the loans are temporary - how I am as a person will be forever.