Douglas Adam’s puddle analogy is appropriate here. Is the jagged interior of a pothole fine-tuned to perfectly house the water it contains? Or does the shape of the water adapt to its environment?

Even if the fine-tuning is evidence for an intelligent designer, the fact that the nature so designed is "red in tooth and claw" would suggest that the designer is malevolent rather than loving.

I prefer the unspoke option: The universe can be agreed to exist because of a shared sense of something we call reality. We don't know enough to say why something exist instead of nothing, but we are investigating it.
Nothing wrong with admitting that we don't know something, it leaves a puzzle to solve. Preference has no bearing on this "reality" thing, so it doesn't matter.

And how does adding a creator make things more likely?

All that does is add a level(s?) of complexity. Now you have to explain where the creator came from then explain why they chose the tuning details that they did.

Add it up and that addition makes it look even more unlikely to me.

I prefer option five, to remain agnostic

The universe is not fine tuned, it is lethal. Most of it will kill you in an instant.

1. "This fine-tuning is highly unlikely in a random possible universe" which is inevitable in a expanding pool the size of which is beyond our comprehension.

Think this world was made "just for Us"?
HUBRIS
Go visit Danakil.

What's the odds that the universe would turn out like it did? 100%. Odds are only significant before the fact.

Fine tuning fails because it assumes we are the result of some kind of willful effort. As it happens, we are an effect, not a cause, so of course we'll fit into the structure of the universe that we sprang from. Further, the VAST majority of the universe is NOT suited to us. It's just this one tiny speck of dusty orbiting a tiny star on the far edge of a mediocre galaxy. We're NOT the center of the universe, not the cosmic reason for its existence.

Try my reasoning.

I bought a new Chevy yesterday and brought it home from the dealer. After I finish with a lot of fine tuning it might be a good car.

The above is imaginary but it shows that fine tuning arguments for our earth and the universe have to be made by those who embrace evolution in some form. Since we know this is not true, "fine tuning" does not hold up.

I prefer option four, because there is a vast amount we don't yet know about the universe. Almost anything is possible.

#3 - The law of large numbers allows the probability of a event occurring at some time without divine guidance. The simplest answer considering the alternatives. Occam's Razor.

Before you can say a god did it, you have to prove that said god is real. That requires objective evidence that can be tested by anyone and get the same results.

It is amazing that the universe is just the way it is and that it is suitable for life. Even more amazing is that anything exists in the first place. I am absolutely staggered by the sheer brazenness of it all. How dare it be so!

I lean toward that last option. Just to say that God did it explains nothing unless you can define and understand God. In the same way, to say that the universe occurred as a random, chance event is equally unsatisfying. What is the system through which all these random events are supposedly occurring? How was such a system established? Where are these almost infinitely numerous other universes and under what overall reality do they exist?

Any honest and aware person is totally mystified, but that doesn’t mean that we can’t move toward understanding. The trouble is that we are trying to fit all of reality into our limited artificial framework of perception and it just can’t be done. Our concept of existence has no real meaning—it’s just symbolic mind-stuff. Our basic definitions and assumptions are sitting on quicksand, and besides that, we don’t understand our selves.

Donald Hoffman’s new book is entitled The Case Against Reality, Why Evolution Hid the Truth from our Eyes. Hoffman has leapt out of the trace-chains of physicalism and is marching off in a new direction. I just started reading, but I’m hoping to gain insights into conscious awareness.

Conscious awareness is like a beacon off on the horizon, barely visible through the fog, but offering hope. That is the direction we need to move in my opinion.

DarkMatter2525 covered this already.

What we observe is ALL coincidence. It is a human trait to try to see/find "meaning" in randomness. Period. Just because it makes you feel good to think how things seem to be "connected" does not make it a fact!

Sorry, but I have this really annoying habit of challenging assumptions that underlie all such questions. Please demonstrate that the universe was "fine-tuned".

Anything to make something complicated, simple. If it's difficult to understand it must be magic. Simple is as simple thinks.

I'm somewhere between explanations 2 and 3, if I understand them properly.

Our thinking about the question, however, is putting the cart before the horse. To say the universe is "tuned" in some way to permit life begs the question, how do we know life would not come about in some other universe with a different set of rules? We imagine that this universe containing life as we know it is the only possible one, because we have a severely constrained imagination. We almost can't imagine what another form of life would be like. It's like trying to imagine what purple sounds like.

This whole notion of "fine-tuning" is just a way of looking at the human-developed math of physics, usually in awe, and then making the pronouncement that "things had to happen in this very precise way for all of this to be possible."

Well no shit, Sherlock. What, the butterfly effect doesn't work on a cosmic scale? Of course it does.

And so what? The math is merely our (still young) attempt to define the rules in ways our dumb brains can understand, and the numbers (aka constants) are just the numbers. It's all very awe-inspiring and (for some folks) fun to think about, but the numbers themselves are not particularly meaningful.

So, this is simple enough. Reject the argument entirely. It's wholly unnecessary.

The Universe has always been here - and it always will be. Matter interacts at a constant rate throughout the Universe. Sometimes planets form that can support life, that's what happened here.

IF, and that IS a VERY BIG IF btw, this Universe is so 'fine-tuned' by this god entity then why,
A) is there at least 1 planet is this Solar System that rotates on its axis completely OPPOSITE to all the others,
B) Why does our lunar body, the Moon, NOT rotate on its axis when even asteroids, etc, do,
C) Why bother 'creating' literally billions of other Stars, Planets, etc, AND only putting life on just one,
D) Why 'create' things that are harmful to life created, things like diseases, radiation from the Sun, viruses, etc, in the first place,
E) Why is that the planets in this Solar System do NOT orbit the Sun in a nice, neat, well organised horizontal plane like disc,
F) Why have there been Meteors and Asteroids impacting on the earth over the last billion or so years when IF everything is so 'fine-tuned' it could have been prevented from the very beginning,
G) Why create Ice Ages that almost wiped out life on this planet,
There are literally heaps more questions that I could put forward to any Faithfool and would be at least 90% certain of getting the exact same response as " Who are we to question God, he works in mysterious ways his miracles to perform."
NOTHING, absolutely nothing in this, or any other possible Universe is 'fine-tuned,' nature, to some extent, is always very random and never fine-tuned, it only seeks to fine tune ( for want of a better term) life to suit the environment in which it finds itself.

Plants and animals evolved to fit the physical world.

They are still left with trying to explain how such a being, capable of doing all they say it can do, came into existence. It is far less of a stretch to accept that we exist, and likely other planetary life, because "this" universe allows for it than to think some all powerful being has just always existed and has fine tuned it for our existence.

Heck, if it were a being, that created it all for us, one would think it would have made, not only the universe, but our own planet a little more hospitable for us. As it is we cannot exist in space--and least not for long and not without artificial assistance; and, where we can survive here is also limited.

If the universe and this planet were "created" with a creature in mind--it was the tardigrade. They can survive any earthly conditions and even in space.

[livescience.com]

Although highly contested in the field of cosmology, there is evidence that the universe is significantly older than the 13.8 billion years old that we currently think. Roger Penrose, who himself remains highly skeptical of cyclic cosmology has determined that there are anomalous hot spots in the cosmic microwave background that are not accounted for in our current understanding of the big bang. His theory is that a universe predated this one, that stretched out until gravity itself collapsed. This would then create the necessary conditions for a following big bang, creating another universe.
[sciencealert.com]

If this is true, then it is a statistical impossibility that we should not exist, in other words the third option would be correct.