Your parameters only work if you believe that the universe has worse tolerances for differences than the most complex machine ever devised. I prefer to think of it as a cooking recipe, if you have the basic ingredients you will get something good.
BTW the number of ~known~ stars is 70 to the 22nd so the total number is probably high enough to beat even your pessimistic average.
Sorry, your conclusion (your preference, as you characterize it) is completely at odds with the growing--indeed, now overwhelming--scientific consensus by cosmologists that there are far too few stars to beat these odds. That's why they've fled to the "infinity of universes" dodge, because this real universe doesn't help them.
Please see Dr. Hugh Ross' website, reasons.org.