But do you not see the startling contrast between the abundant life on this planet and the hostile nature of the observed universe outside?
For us, yes, as humans, but for life? There is almost certainly liquid water on Europa, one of Jupiter's moons, as well as a few candidates from Saturn's satellites.
Not forgetting, of course, that part of the habitability of the Earth is from the effects of earlier life-forms pumping oxygen into the atmosphere - this planet is suitable for the life that evolved from earlier lifeforms because of effects of those earlier lifeforms on the environment.
What we call nature on this planet does not seem natural in comparison to other planets in our vicinity.
Right, how frequent is life supposed to be? The relative lack of life - as we understand it, at least - is only an issue if you think that the universe is somehow intended to be life-bearing. If it's just a sequence of reactions to previous conditions, without goal or intent, the amount of life is neither high nor low, it simply is.
I believe that God's powers involve interacting with the nature of our universe, not overriding it, just as humans interact using their powers of free will to bring about human creations.
You are, I suspect, in the minority - the majority of those who believe in the Judao-Christian God seem to think that it created our universe, and a considerable portion of them think it was done for our benefit. In light of that, your pointing out that inhospitability of the bulk of it for human life seems pertinent.
O.