It took 14.8 Ga for life to reach the stage it is presently in, so to observe what we observe the universe doesn't need stability for more than a few tens of billions of years. Exactly the big slurp time frame.
I think this is an astute observation.
About the easiest way to get to a happier place from there is to point out that, on the other hand, that fact alone doesn't seem to have any bearing on the question of whether additionally stability actually exists.
And, as far as the hypothesis presented in the OP is concerned, it's naturally way too preliminary.