We do seem to be at opposite ends of the spectrum of thinking on this, IHI :)
We can believe and speculate all we want, physicists included, but belief is not evidence. I happen to think myself that we are not the only planet where life of some description has involved, but we do not have any evidence to support that as yet. So, the evidence to date would suggest that intelligent life -life like us - is an extremely improbable event, which does not, to me, suggest a universe finely tuned to develop intelligent life.
I am a gambler too, although I prefer poker to more random chance gambling.
"I'm neither for nor against a Creator but I am a gambler and the odds of singularity inflating into a fertile space that life can take hold so easily, when so many other possible universes are potentially sustainable but sterile, are astronomically large."
If you think we live in a non-anthropic universe, as I do, there is no need to invoke either a creator supernatural entity or a multiverse.
"What are the chances of a point of all four forces as one, fracturing and then inflating to allow Chemistry to become Biology" - I do not understand this comment - could you expand a bit?
"Your argument against a favourable universe with cosmological constants set precisely (by chance or design) for Humans to evolve, based on your conclusions, cannot be right. "
This is, with respect, an example of puddle thinking, as Douglas Adams described it. The puddle looks at the hole into which it perfectly fits, and rather than reasoning that therefore it has developed to perfectly fit the puddle, the puddle has shaped itself to the puddle. By the logic of the anthropic principle, you could argue that hot dogs were shaped the way they were to fit hot dog buns, or that ships were created to house barnacles. We adapt and evolve to fit the physics, not the other way around.
The conditions of the universe have self-evidently shown themselves to be favourable enough for the building blocks for life to exist, as we are here to observe the universe. Thats a long way though from accepting the need for a creator or a multiverse.
Paul Davies, cosmologist, expressed his reservations about the many and varied hypotheses of multiverses;
"Indeed, invoking an infinity of unseen universes to explain the unusual features of the one we do see is just as ad hoc as invoking an unseen Creator. The multiverse theory may be dressed up in scientific language, but in essence it requires the same leap of faith."
He also pointed out that you could describe multiverses as unscientific, since there is no way of testing their existence.
He elaborated further on that concept;
"To be sure, all cosmologists accept that there are some regions of the universe that lie beyond the reach of our telescopes, but somewhere on the slippery slope between that and the idea that there are an infinite number of universes, credibility reaches a limit. As one slips down that slope, more and more must be accepted on faith, and less and less is open to scientific verification. Extreme multiverse explanations are therefore reminiscent of theological discussions."
There are many entertaining and speculative hypotheses surrounding multiverses, linked to speculation about a grand Theory of Everything, of a Fine-Tuned Universe etc ,and it can be fun to do that for sure, but we should not let ourselves get carried away with such speculation :)
You might be interested in his book - A brief history of multiverses ; Paul Davies.
Another variant of the multiverse could be an infinite universe, with many hubble volumes, ie the limit of our cosmological horizons. I quite like this particular theory :)