By my opinion life wasn´t an accident and it wasn´t designed. Life is actually something which under the right circumstances is waiting to happen. On primal earth we had the right circumstances to sustain life and therefore when RNA, amino acids and other chemicals blended in the right way, they kept evolving wheras on places hostile to life they would not have. Our drive to reproduce for instance is one of our most primal instincts, for if we would not have it, our species would soon be exctinct. P.S. You say you´d rather look in your own backyard for an explanation before looking over the fence and yet the first place you look is beyond the sky and the stars.