It’s an irrelevant question. You’re trying to attribute meaning to something that doesn’t need to have any at all. The universe exists because it exists.
You’ve written some very long posts here so I’m going to go ahead an offer my own expertise on this subject. Most people overlook the single most limiting factor there is: time.
The universe existed for 9.5 billion years before the earth did. Even when the earth formed, it took a few billion years for things to calm down enough on it for life to form at all, and even then, it was incredibly simple. A few hundred million years later, after multiple extinctions that could have spelled the end of all life on earth forever, we have beings capable of observing the very universe that we are a product of.
Add to those time scales the fact that the sun itself is PROBABLY only a third generation (possibly even a second) star, and our galaxy is first-generation and swollen with other, smaller, swallowed galaxies over the eons, and it’s incredibly likely that life on our planet, in any form, was amongst some of the very first to form in the universe, if not THE first. That leaves life elsewhere with very limited possibilities.
If there is intelligent life out there in the universe, the odds are, they are not much more advanced than us, if they are as advanced as us at all. This is the solution to the Fermi Paradox and many other questions about “where is life in the universe, and why haven’t we seen any yet”. Because if it’s there, it’s just not that complex, or much more advanced than us, and likely very far away. There are many things to consider regarding the formation of life on a planet, not just its distance from its sun, but also how much cosmic missile fire its been subject too, whether or not it has a magnetic field and plate tectonics, the age of the sun and the planet and how long they took to form, and even its sun’s position in the galaxy relative to other radiation-producing bodies. If there’s life in the middle of our galaxy, it’s likely no more complex than radiation-resistant cockroaches, for example, because the stars are so close together you might as well be living inside the nuclear furnace of an aircraft carrier. And even then, that’s an understatement of the kind of radiation in those galactic neighbourhoods.
And then, of course, there’s the spans of time in which evolution needs to run its course to form a complex organism. Even something as simple to us as a bacteria is actually a very complex multi-cellular organism that can take hundreds of millions of years to evolve from its organic compound roots.
The universe is not that old, relatively speaking, but the general consensus amongst astrobiologists is that life is inevitable under the right circumstances, because organic compounds are literally everywhere. Every planet and moon in our solar system that we’ve pointed a sensor at has them. That’s the cool part. Life is probably out there. Like, the probability is high. Whether it’s anything like us, or more advanced than us… that’s a whole other probability on its own.