Earlier quoted context omitted.
But we are not "so early" in the history of the universe. Something like 95% of all the stars that will ever be formed have already been formed. It's actually rather late in the day.
> Something like 95% of all the stars that will ever be formed have already been formed. Sure, but clearly civilizations don't exclusively develop around newly formed stars: we didn't. Most stars are red dwarves and will continue shining for trillions of years.
https://arxiv.org/pdf/2009.11126.pdf
I don't think it's a reasonable assumption that the rate of life (or civilization) formation would remain constant on a planet around a red dwarf over extended periods of time. I don't think Earth could survive for trillions of years as a life bearing planet, even with a more long lived star. Without radioactivity and primordial heat, plate tectonics would cease and the magnetic field would go away. The lack of magnetic field would mean the atmosphere would be lost as well.