If the universe was fine tuned for our life...

[Heywood]

I think the problem here is that I see no perspective from which computer generated "sub-realities" exist. They are collection of mathematical rules with the results displayed visually. There is no inside perspective.

I'm okay with your position that there is no inside perspective provided you also take the position that you cannot possibly be a simulant existing in a computer reality. If you think it possible that you could be a simulant and think there can be no inside perspective.....then you have a contradiction in positions.

Premise 1. Computer simulations have no inside perspective from which an entity contained within them would perceive a reality.
Premise 2. I perceive a reality.
Conclusion: Therefore I cannot be an entity contained within a computer simulation.

Is the above argument valid and true as far as you are concerned?

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It fulfills your standard for intelligence as well as the chess program. So it must be intelligent.

I'm not staunchly opposed to calling those programs intelligent. I also don't believe intelligence is something boolean....that is you either are intelligent or you are not. Intelligence comes in varying degrees. Minimalist is less intelligent than a cockroach. A cockroach is less intelligent than a dog. A dog is less intelligent than a human being. If those programs are intelligent, they are less intelligent than Minimalist.