First off, nice thread.
I'm not really in the mood for a big religious discussion now, but I'll attempt to shed light on a few things.
If your're familiar at all with how stars work, you may be aware that the processes that occur when a star is in its death throes are what is responsible for the creation of all other elements in the universe.
Incase you're unfamiliar, here's a good NDT video the explains it quite well.
The heavier elements require larger stars in order to be forged since these elements require more cycles of expansion and contraction of the star. Since stars of the size needed to pull this off aren't as common, it's not surprising that there are more gas giants than rocky planets. Can you link me to an article that talks about the ratio of gas to rocky planets? I'd like to read about that.
It's like you said though, the universe exists at a scale impossible to comprehend. Therefore your statistical odds of finding a habitable planet are better, simply because the area within which you have to work is large... therefore the likelihood an event such as the creation of a habitable planet is going to improve. Just for contrast, if the universe were the size of a glass of water, the probability a habitable planet is going to form, given that much area, would be almost nil.
That said, I don't find it strange that we haven't discovered more habitable planets. We simply don't have the technology yet to explore far enough out.
Currently, our best planet detection method (that I'm aware of) utilizes the Doppler shift. Put simply... as planets rotate around their stars... they tug ever so slightly on their star causing them to wobble. This wobble can be observed by measuring the color of the star. As the star wobbles away from us... it's light waves are stretched and become more red. If it wobbles towards us... the light waves are compressed and the light moves towards blue. It's still very difficult to observe a planet directly in order to determine it's composition. And even in extraordinary cases where we do observe them directly, we can only guess based on whatever color is being reflected (we can guess at what elements exist on a planet since certain elements reflect certain colors)
Point being, you shouldn't be surprised we haven't found anything yet. We've only explored a tiny speck of our own galaxy.
I'll get back to you on universe creation.