As I wrote and you quoted, those factors weren't the only factors. They were definitely limiting factors.
Pedigree matters if there are useful achievements included in the experience. She hasn't been given a lot of responsibility during Biden's administration, and hasn't done very well with what she was given. Her record in Senate doesn't stand out. She has stated some policy aspirations that will be a difficult sell, and she will have to defend herself. She is hampered a bit by perceptions of her relationship with Willie Brown. She has difficulty speaking with substance and coherence without a script. Vance has managed to get in some military service and success in business, as an author, and as a politician. He at least has demonstrated a breadth of talent. Credentialism and identity politics might be compelling for people who favour style over substance, but isn't really a useful way of selecting major political leaders.