What if the requirements per life depend on galactic attributes? Then our dataset drops to mere billions. There are billions of us, and each one of us is unique. Maybe billions isn't a large enough dataset - we need billions of billions of billions before we detect life. If we consider every galaxy is accelerating as it travels away from every other galaxy, I present a fourth solution to the Fermi Paradox:
4) Any intelligent life is moving away from us faster than the speed of light - making observation impossible.
Time is a human concept - it's the way we observe change. If we extend this to before the big bang, there would have been nothing changing, so there would be no time.
When the expansion reaches the point where no particle can ever interact with another, time will cease again. That's called the Big Freeze. Or you can go a step further and expand until the atoms rip apart - the Big Rip. (I didn't name them)
I like to think of an endless pool of flat still water. Consider our reality right above the surface. A yet unknown force creates a type of soap bubble, which expands out until it pops.