kbar1 said:
Also, if situated in larger distances, wouldn't the gas giants act as "guardian angels", taking care of many stray asteroids or comets that would otherwise *might* crash into planets with life?
That is what happened with our own solar system. Jupiter and Saturn work as "space dust cushions" so we don't get obliterated by asteroids and different sort of space dust pulled by our Sol gravity.
Regarding comets, it is a little bit different. Actually, Jupiter and Saturn worked as gravity magnets to pull in the comets from the Oort cloud. Comets where the main source for water during the early stages of our planetary formation process, so comets reaching our solar system habitable zone made it possible for the water to melt and become liquid.
On regards of the "coincidence" part others were discussing. Mainly, yes, we can say that our solar system got a series of "coincidental" factors that made it possible for intelligent carbon-oxygen based life to evolve.
Our habitable zone is large enough. Sol is a pretty stable G star, and has been for 5 billion years, more than enough time for life first, and then intelligent life, to evolve. We have the huge Jovian external-planets sheltering us from bad dust and also working to straight the comets (good dust) orbits. There are no O stars in the vicinity, or any other dead photon cannon type of star or stellar source. And so on.
But, that doesn't mean that set up wouldn't be pretty normal in the rest of our galaxy, or even the universe, at least the part that is around our same 5 to 6 billion age. The outskirts of the universe with their dead-barely dead 15 to 16 billion old galaxies and stars, could be really different.
May be also the other way around, and our stellar system setup is a pretty odd one. Perhaps, there are Astronomers and Astrophysics right now, somewhere around a binary star, looking at our Sol system and saying that our system is inhospitable to life (they can't see the inner planets...), and there are also religious fanatics there saying they are the only planet to harbor life, because their god created them as its image and its only creation, and there is only one son of god and if that son of god provided atonement for them, he couldn't possibly have died as well for another creation somewhere else, and the radio waves coming from our Sol system, and being captured by their radio-observatories, are just considered as: space noise, by the scientists, and "a devil's lie", by the religious people. We never know.
Only one thing is certain about the universe: physics laws will apply equally everywhere.