[Moodles]

This is what I find most plausible as well. If we just look at facts we currently believe to be true, then we know there are enormous distances between planets and no fast way of travelling between them. Then for a lot of probabilities you want to assign to the likelihood of intelligent life emerging on a Goldilocks planet, the universe would look exactly like it does today. I.e. we’re all on isolated islands on a fast ocean, and it doesn’t matter how advanced our tech gets: we’re still all limited by the laws of physics so we all think we’re alone.