You have no idea what ‘most’ stars can provide. There are billions and billions of stars in this galaxy alone, what to speak of the uncountable galaxies in the universe.
And you have no idea what type of ‘life’ is possible. I remember growing up being taught that life cannot survive in underwater volcanic vents... until we found that it can.
And you have no idea what exists beyond the sliver of the plane of our perception — the 95+% of the universe that is ‘dark matter’ and ‘dark energy’.
But I do have an idea of what life on Earth requires. EVERYTHING else is guesswork and speculation. We only know what we know.
We know it took 3.5 billion years for multi-cell life to form on Earth. That knocks out most of the stars in our galaxy right there as they don’t last that long. You have to have a second or more generations star for the higher level elements like carbon or (less likely) silicon for long chain molecules to form.
You need a stable area of the universe, a stable planet, and, a planet that shields the surface from the very nasty radiation that is in space, that requires a good bit of iron to form a magnetic field, that also protects the atmosphere from being stripped off a planet.
As for life near the fumaroles under the sea, except for the single cell bacteria, all those creatures are descendants of creatures from the upper levels of the sea that adapted to life in the intense heat. Their ancestors didn’t form there (except maybe the bacteria).
There is WAY more needed just for single cell life. Just having a star, with a planet around it does NOT mean there can be life on that planet.
This is of course going by what we KNOW, not, speculation.