True, but you need water rich asteroids to crash in the immediate phases after planet formation, and then you need life to develop. After which you need asteroids to not crash into the planet. Of course in the meanwhile, you need a lot of other things like formation of atmosphere, plate tectonics, volcanic eruptions, lakes sitting on geysers etc etc.
Basically things have to (not) happen in a series of steps for life to form, even if other things like a rocky planet being situated in the goldilock zone come true. This is apart from a lot of other factors, like not having a big sun etc etc.
All this suggests even if we consider 'Terrestrial mediocrity' to be true. Life could just very very rare across the universe, if not totally absent.