Well, you can't take Han's word for it. He (for most of his life) dismisses The Force as being nothing more than 'luck'.
That he is hyper-competent and/or hyper-
lucky in most things he does seems to be relevent. That he thinks he is an otherwise 'mundane' person is not proof-positive (see an example
in another genre). Certainly an innate - if unconscious - link to the Force explains much of his story-arc. Navigation, piloting, combat(/escaping combat) and weapon-use, language skills (understanding/being understood), actually getting the hunk-of-junk Millenium Falcon to fly at all[1]. And happening to be in just the right place at the right time on more occasions than plausible, given the size of the galaxy.
As for Jar Jar: hyper-
incompetent yet hyper-lucky to compensate. Possibly the unknowing balance-in-the-Force for the Jedi-heavy era, just as Han is a key rebalancer in a Jedi-light one.
Anyway, I was happy to posit this here, in the Unpopular/Controversial Ideas Thread, as a not entirely unknown idea with decades of back-catalogue to it (at least for Han). I was actually worried that it might be too acceptable to everyone, cheers for clearing that up. (I refrained from mentioning Chirrut, as he also clearly believed, whether or not he was also similarly plot-armoured.)
[1] Lando might be ok being just having had a history with it. Rey+Finn, either/both being Latent at the time in their own way, got the abandoned Falcon flying and
in combat straight out of a junkyard...