We only know one system that "worked", and thus may have a biased view of what conditions can create advanced life.

The article mentions "toxic atmospheres", but oxygen was toxic to 99% of the existing life when it first started increasing on Earth. Life switched strategies to use it instead of choke on it. "Toxic" is relative. The other factors you mentioned may have similar issues.

Some bacteria can thrive under high radiation because they have four nuclei and related error correcting. It costs some energy to have that feature, but that's not a show-stopper to the critter.