What you are trying to say DRZ? I don't think life requires such fine tuning. If your view of life in the universe is that life originates (on a planet) based on physics and chemistry when conditions are hospitable, then life could form across the universe here and there when the proper conditions come together. There could be many different sets of conditions from which many different varieties of life could emerge.
One view is that life came from out of nowhere on the early lifeless planet Earth. The planet afforded a variety of hospital environments for life and life itself is “generative” meaning that given enough time and the right combinations of chemistry and environment life can emerge and get a foothold. In the same view, life is also “evolvative” and once it gets a foothold in a hospitable environment it flourishes and branches out into many forms, many species, etc. to take advantage of every nook and cranny of the hospitable planet. It also adapts to changes in the environment as well.
The term entropy doesn’t really apply unless you want to call the emergence of life from the environment the beginning of a cycle of reverse and then increasing entropy, i.e. from 100% entropy of a lifeless planet to some much smaller level of entropy that only arises as life emerges and flourishes, and then a growing entropy back toward 100% as life declines on the planet. Such a cycle would be characterized by phases starting with the potential for life, the emergence of life, the flourishing of life to all the hospitable environments on the planet, and the eventual decline of life as the necessary resources are used up or as the extenuating circumstance like the fuel burning rate of the sun causes an inhospitable environment on Earth to reign in the living community.
If that is how you apply the term entropy to the circumstances of life on Earth and throughout the universe, then the entropy cycle might begin with an initial absence of life on a planet which would be 100% entropy. The potential for life would begin to reverse the entropy and start it toward some positive entropy potential, and the emergence of life would be tenuous at first but that would reverse the entropy significantly. Then as life flourishes it reaches the minimum level of entropy for that planet and for those hospitable environments. Finally, the normal entropy of a planet’s ability to sustain life will kick in and the entropy of the life on that planet will begin to increase and will finally become complete as all life is eradicated.
You have to understand, as I’m sure you do, that complete entropy is 100% (a lifeless planet) and the maximum entropy when life is flourishing is closer to 0% in the scenario I describe.
Never-the-less, there would seem to be a vast set of circumstances and a wide range of possible physics where life could be generated IMHO.