Try to see it from this perspective; your experience as an individual (soul) is a feature of the structure we call Homo sapiens. It's a characteristic of this species' brain structure, in the same way that the colors of a flower are characteristic of its phenotype.
It would be silly to ask, "What are the chances that that shade of yellow ended up on that particular daffodil?"
The notion of "you" being in a "body" is extremely difficult to shake. Even if it's intellectually approachable, understanding it intuitively is something else entirely, though certainly attainable through sustained meditative practice or a hearty dose of psychedelics.