Our solar system is probably not atypical and planets in the “Goldilocks” zone are probably equally commonplace. There are a few things that may set the Earth apart, however.
The first is a strong magnetosphere, something that our nearest neighbors (Mars and Venus) do not possess. We don’t know whether a strong magnetic field is a rarity among small, rocky planets or not. Mercury, Jupiter and Saturn all have reasonably-strong magnetospheres, so in our solar system it seems to be more-or-less a coin-flip. We really don’t know whether the magnetosphere is vital for life developing or not – the general consensus is that it shields us from a large amount of solar radiation, but we don’t know if that’s a deal-breaker or not. The magnetosphere may or may not shield our atmosphere from the buffeting “solar wind” too… some theorize that we’d lose atmosphere at a higher rate without it, though others point to Venus’ atmosphere loss at about the same rate as ours. But it’s hard to do an apples-to-apples comparison because…
The Earth is really a dual-planet system. Luna (our “moon”) is a small planet that was most likely calved from the Earth herself while the solar system was forming, and is in an unstable, far-too-close orbit and is ridiculously-large for a satellite. Out of the billions of stars in the galaxy and the untold trillions out in other galaxies it’s likely that the Earth-Luna system situation is repeated many, many times, but the chances of an oversized satellite in close orbit around a rocky world in the Goldilocks zone is probably really, really rare.
So how important it Luna for life? We don’t know, obviously, but there is some evidence that it might be pretty key:
The oceanic tides that the too-close and too-large Luna causes are extremely powerful and likely vital to a mitigated climate. It’s very likely that without the moon and tides, seasonal temperature changes (and the Earth’s orbital progression) would be much more severe than they are with the moon. Not to mention that the planet’s leisurely 24-hour rotation was probably caused by the impact that created Luna in the first place; otherwise we’d have 8-hour days and 100-mph sustained winds would be commonplace. Is that important to life? Dunno, but probably.
The tides themselves (specifically the wetting and drying of water on shores) may have been a big driver in the creation of life to start with. Not that it couldn’t have happened without it, but it may have been accelerated significantly: material is thrown up on a hot rocky shore, it dries out, then is wetted a few hours later and cooled, then warmed and dried again. Without Luna, we’d still have tides due to the sun, but they would be much less severe than they are now, so maybe life wouldn’t have been quite as likely to sprout here.
Likewise, Luna affects the tectonic forces on the Earth. We don’t really know how much, but the presence of a massive satellite causes some heating of the crust since the moon’s orbit is not the same as the planet’s rotation. Some scientists theorize that the moon’s pull actually causes some of the convection that moves the plates hither and thither. Enough to make a difference in the creation of life? Doubtful, but maybe.
The moon probably shielded us from a mess of extinction-level asteroid impacts in the last few hundred million years. Not all of them, obviously, and Jupiter probably grabbed many more, but a bunch. A deal-breaker for life? I’d say “no”, but maybe a deal-breaker for what we consider “higher” life.
And probably VERY important is the atmospheric “skimming” that the moon causes. As noted above, the Earth loses atmosphere at a rate equivalent to Venus or Mars, but we’re a bigger gravity well and should actually be retaining more air. Without Luna our atmosphere would be far, far thicker… maybe not Venus-level thick (that’s due more to temperature), but it’s likely that we’d have permanent global cloud-cover. Important for life? Could be.
Anyway, I’m of the opinion that we’ll find life almost everywhere. But the Earth is pretty unique so “M-class” planets are probably not as common as Star Trek would lead us to believe.