I think the idea of a "Stone Age Universe" where humans are among the most technologically advanced (or maybe a bit scarier, THE most advanced) is far too underexplored in discussions of the Fermi Paradox, possibly because it's more soft-sciences focused since it's about the roots of civilization and how a civilization progresses from "Paleolithic" to making a big enough impact on the universe via Dyson swarms and interstellar colonization.Even if the universe is teeming with life forms, is there any statistical guarantee that any of them would be technologically advanced enough to reach Earth? How do we know that homo sapiens aren't the smartest beings in existence?
(Serious questions, not rhetorical.)
I think it's highly likely, but also one we aren't likely to be able to say much given we can't really say what an average biosphere looks like.
I'm not convinced that either the large moon thing or magnetic field thing is necessarily a huge issue or even that rare given our sample size of exomoons is practically nil outside of some rogue planet moons (which might just be small brown dwarfs and their "planets"). Granted, this is a big problem in general when discussing the Fermi Paradox although I think a lot of the criticism based on this line of thinking is overblown since there's a lot we DO know and can reasonably assume. Hell, maybe the ideal place for life is a gas giant moon, that certainly has tides and a magnetic field.Have a huge moon due to tidal action which may be important to the foundation of life 3) Have large amounts of carbon which should be pretty common but might rule out some planets. 4) Have an active magnetic field to avoid having its atmosphere stripped which is actually quite rare. IIRC Earth is the only rocky planet to have one.
Similarly, the Galactic Center has the majority of mass in our galaxy so even if it's far less likely to host life, there's so many planets that enough chances for abiogenesis and evolution should eventually produce the radiation tolerant life necessary for survival. Although I suppose the frequency of mass extinctions would be detrimental to complex life. You could probably calculate that by taking the number of supernovae and GRBs in a galaxy's core and comparing it to Earth's history of mass extinctions, at least the ones suspected to be caused by GRBs.