A habitable zone is just ONE of like 10 factors AT LEAST that we think allows for complex life. That means you have to multiple every one of those factors together, not add them. The odds drop significantly with each new factor.
Discussion
The odds against are paradoxically the best argument for other intelligent life — basically no chance we happened randomly. And if it’s not random then it’s by design which means the universe self-organizes generally into intelligent life.
None of the things you point out are equivalent to the next. If it’s not random doesn’t mean it was designed. And even if it does self organized there’s no reason it does so into intelligent life. We only have one data point that it happened here, you can’t extrapolate that to some broader certainty.
We have one data point: an odds-defying miracle. But of course one is free to draw one’s own conclusions from that.