it's all kind of too insane to think it has happened by chance.
This in itself is a form of cognitive bias - it's only because your human brain is too pathetic to understand the larger numbers. If you had a superhuman brain 4x the volume like my own, the 'insanity' of it all might actually seem pretty reasonable, perhaps even inevitable given the initial conditions of the early universe. After all, there's only so many combinations of atoms you can get.
Fun fact, Given a large enough universe, those combinations run out and start to repeat themselves. It's entirely possible there's another you out there right now reading a similar comment on Jive.clog. Not a parallel universe, but this very one, simply by mathematical randomness! If you think about it, any number that isn't infinite is, by definition, pretty small, so statistically it wouldn't even be that surprising. For a superior mobbs brain, at least.
I just think the odds that we've grown inwards rather than outwards in the base layer is higher than the chance of chaos/randomness to lead to this being the base layer.