I don't think life is rare, nor photosynthesis, but complex life might be. A planet needs to be really thriving with life for it to be worth it to go down the path to something like animals

But I think the bigger filter is much stranger.

Humans are a hive-like species. We're not just social - we're insanely interdependent, we don't function on our own and yet we've ended up in this place where we (often) try to individually succeed, even at the cost to our community

We're greedy enough to want the stars, yet interdependent enough we could only swarm over them in endless numbers

There's many problems with the fermi "paradox", but personally I think one of the largest is assuming all species would spread like a cancer blotting out the stars

A more individualistic and long lived species might instead be careful explorers, taking what they need and leaving little sign of their passage. A more communal species might be careful and control themselves to not destroy pointlessly. They might also feel no desire to contact other species

We're just the right mix to want everything a star could give, and to want to find others at great energy cost