Odds are, out of an astronomically huge set of trials, conditions for just enough water will arise, in conjunction with all the other factors, just once out of (a very large number).
Star formation seems very successful, the sky is filled with them. But still the conditions for ignition had to be just right. There had to be just enough hydrogen to coalesce into each star.
And so on.
The universe is probabilistic, at the cosmic scale and the quantum scale. No wonder it is also probabilistic at the real-world scale.
A person is special, and we feel this emotionally. Yet, at the same time, the event of fertilization involved the random crossover of (grandparents') genes in formation of gametes, the random eruption of this particular egg, the random arrival of that particular sperm cell.
With things being so randomly directed, it's almost hard to feel that determinism has a fighting chance of explaining reality.