I’m not sure that there needs to be a any grand cosmic reason for life to exist. Life could just be an accident of random events in our little corner of the universe.
Natural selection offers an explanation for how life changes across generations in response to challenges in the environment. It does not require a plan, just that the outcome of a chaotic process (reproduction) creates mutations that produce a slight edge, or at least no reduction in reproductive efficiency.
I think that the answer to this depends on the audience and the topic or nature of the discussion.
I prefer precise, technical language if the audience has experience in the topic. You can save a lot of time by not explaining things that the readers should, reasonably know.
I think simpler language is appropriate for a more general audience or higher level discussion.
It can be challenging to find the right balance on a forum, like this, where you don’t necessarily know who the audience is.