I also am not a physicist or a cosmologist. I guess I define chance in this context as the lack of a creator. But fundamentally I would no more assume the earth did not have a creator than the building I am sitting in.
Quite frankly, it doesn't matter all that much to me. It's here. I'm here. It was here before I got here and it'll be here after I'm dead. I'm a lot more concerned with what I'll cook for dinner tonight than I am with the origins of the Universe.
Fair enough. I appreciate your answers. I know it's off topic but I don't have much interaction with athiests (that I know of).