One of the best things I've read recently (wish I could find it again) said that quantum mechanics isn't about reality, it's a model of what we can measure and study. We simply can't know what reality is like at atomic and subatomic scales, we can only model what the measurements say. It turns out we can do a lot of really impressive science with those models (nuclear power, semiconductors, lots of other stuff), but acting as if we know what's actually going on at those levels is fooling ourselves. Even the people who laid the foundation for modern quantum theory knew this:
Bohr once commented that a person who wasn’t outraged on first hearing about quantum theory didn’t understand what had been said.
Heisenberg, when asked how one could envision an atom, replied: “Don’t try”
- A Short History of Nearly Everything
So what does this have to do with your question? Well, I'm not saying that fundamental reality does not exist at subatomic scales. But I am saying that we can't really know anything about that reality until we measure it.
Did the electron have its spin at creation, or at measurement? We can't really say, and it's not especially important.
A bit of a tangent: we don't fully understand quantum entanglement over distances (e.g., the fact that we can know the spin of one particle from another entangled particle's spin even over great distances), but the explanation I like is that both particles' states are just the propagation of their combined wave equation since they were first entangled. So were their spins assigned at entanglement or at measurement? Well, we don't know and it's not a meaningful question because we can't determine the answer without measurement.
Your chromosome analogy doesn't really work because your chromosomes are a classical system. They have been entangled with countless other molecules for as long as they have existed, so we can use our human intuition to reason about their past and future in ways that we can't reason about things at quantum scales.