A fined tuned argument.....Heywood style.

[Esquilax]

When did anyone say, "It seems so incredible to me"?

You did!

The extreme fine tuning of the cosmological constant allows me to dismiss D. If it was different by one part in a trillion trillion trillion trillion trillion trillion trillion trillion trillion trillion complex structures would not be able to form. It is unreasonable to think we hit a jackpot with those kind of odds. As Leonard Susskind put it, "Its too much of a stretch".

There's your argument from incredulity right there.

The multiverse explains it....but so does an intelligent creator.

An intelligent creator can explain anything, so long as you lower your expectations for what constitutes an explanation until you're satisfied with "it used magic to magic it this way." But then, some people desire more than simplistic one word just-so stories with no evidence to support them beyond retrofitting what we already know to exist into the desires of this intelligent creator.

You really have 3 options.

No: you can only think of three options. That's not the same thing as only having three options. Let's not sink to a false dichotomy, here.