Easy now with the numbers, children. Do you know how many BINARY systems there are in our galaxy ALONE? A stable, terrestrial, life-supporting planet is not likely to occur in one of those. Besides which, life can only occur after the planet has completely solidified, and since not all solar systems are the same age...beyond all that, you forget about cosmic catastrophies...They DO happen. Comets and asteriods (as well as moons and even other planets) do collide with planets. Your so-called low estimation is only low because of the infinities at work...the in-galaxy guess is terribly high.
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Is that what you really want to say?
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