Just that, ends any sense of reliability in any formula you can come up with.
Never mind the wild assumption that life, as we know it - is life, as it is known. Given we haven't even reached the bow shock of the Sun, it's a tad presumptuous to assume you have any idea what might be normal circumstances for life in the universe.
And even that is assuming there's only one universe in one dimension....or that that something like chaotic inflation didn't occur, giving rise to non-symmetrical fundamental forces in who-knows how many bubble-universes.
No matter what, your calculation and conclusion are absurd.
The place where knowledge finds it’s limitations is where faith begins.