While Earth is certainly in a Goldilocks zone, we have many other things in our favor. For one, the massive planet Jupiter is relatively close, and its gravity keeps most asteroid's from hitting Earth. Earth-like planets in Goldilocks zones may have nice temperatures but the constant asteroid collisions could make life unlikely except for the tiniest of creatures.
Even the tiniest of creatures is a miracle of the highest order. Science cannot create even a single celled amoeba with all their knowledge...................