That's absolutely correct and in addition to that life just isn't an accident of the laws of physics. There's a long list of experiments that suggest just the opposite.
Sometime in the future, science will be able to create realities that we can't even begin to imagine. As we evolve, we'll be able to construct other information systems that correspond to other realities, universes based on logic completely different from ours and not based on space and time.
In fact when you combine stem cell technology with the technology known as tissue engineering you can actually grow up entire organs, so as you suggest that sometime in the future you get in an auto accident and lose your kidney, we'd simply take a few skin cells and grow you up a new kidney. In fact this has already been done.