Perhaps the good news is that having a planet in the habitable zone is only a part of the problem. There are plenty of other constraints.
Firstly, the star has to be the right size. A bit larger than our sun, and the star evolves off the main sequence more and more rapidly. It's not sufficiently stable to last the several billions of years needed to get to our stage of life. It's reckoned by some people that our Earth only has a billion years or so left as a home for multicellular life before our sun overheats it. (minus the human factor.)
This also shrinks the effective size of the habitable zone enormously - a suitable planet ought to be towards the outside of the zone at first so it doesn't end up too close to the star later on when the evolving star heats up.
A smaller star is more stable, but gives a different problem - since the habitable zone is closer in to the star, the star exerts larger tides in the planet, which brake its rotation to a stop. This has already happened to Venus, for example.
Then the star has to have the right mix of elements. These elements can only come from the explosions of other stars - so the universe has to live a bit before planets are possible. Equally, once the planets have formed, you want the process of stellar formation not to carry on next to you - all these criteria essentially require the star to be formed in a spiral arm of a decent-sized galaxy like ours - not in the core, and not in the first round of stellar formation.
Earth contains elements from several kinds of stellar explosion, and needs them. This implies you might get planets with differing proportions of the chemical elements, which might not be so conducive to life.
The planet itself has to be the right size - too small, and it won't retain an atmosphere, and also won't retain geological activity over the needed timeframe. Too large, and it will retain hydrogen and/or helium, which results in a huge atmosphere and no life at all.
The planet needs a large moon - otherwise the axis of rotation of the planet tends to tumble chaotically, as Mars does, and Venus apparently did when it rotated faster. The moon stabilises the axial tilt, which could be stabilised at practically any tilt, not just Earth's slight tilt which gives rise to reasonable seasons. The moon itself is a bit of a constraint in its own right - it would need to form in the late stage of planetary formation - computer simulations suggest this happens about 1 time in 12. Too small a moon might be driven out of orbit by the underlying planets rotation (our own moon's been driven out a loong way as it is), and will cease to be any help at stabilising rotation. Too large a moon will again brake the planet's rotation to a much lower level, resulting in long days and inhospitable temperatures. Apparently our moon will cease to protect the Earth from axial wobble in around another billion years. (if not for the human factor)
The orbit shouldn't be too elliptical.
Earth is a bit special, it seems.
Each of the constraints you name, though plausible, don't seem to be strong enough to act as a full filter. They appear to filter on the level of full percentage points rather than billionths of percentage points. Without finding dozens more filters of this kind, there would still be human-level life all over the place and hence (assuming no life in the universe) the Great Filter would be ahead of us.
A bunch of tiny filters is an unlikely scenario for explaining "The Great Silence".
One serious issue for evaluating existential risk is working out whether most of the Great Filter is behind us or in front of us. This relates to the Drake Equation and similar attempts to estimate the frequency of life in an obvious way.
Over the last few years, it has become increasingly apparent that extrasolar planets are common. However, what fraction of these planets lie in their stars habitable zone has still been an open question, primarily because most of our current methods for planet finding easily find planets that are either very large or are very close to their star (ideally both).
A new study, using the data from the Kepler spacecraft, estimates that about a third of all stars similar to the sun have at least one planet in the habitable zone. There are some issues with this estimate, and Phil Plait discusses them at his blog. The estimate has a large amount of variance. The paper actually estimates 34% +/- 14% and the issues that Phil brings up increases the uncertainty in both directions but it seems safe at this point to consider this not being very far off.
One obvious issue from a Fermi perspective is that some systems will likely have multiple planets in this zone. Also, having planets in the habitable zone is clearly not sufficient for life. By the standard estimates for habitable zones, Venus and Mars are both in the habitable zone of the sun. And there may very well be ways for life to arise outside the habitable zone. Moons like Europa and Titan seem to be excellent candidates, and we can't rule out more exotic forms of life in other habitats although that seems not too likely right now.
However, one thing this makes clear: The part of the Great Filter that is behind us that is due to planets not lying inside the habitable zone is small. So the question is, what does this mean for our estimates of how much of the Filter is behind us and how much is in front of us?