Our planet orbits a single star, our star is 1 in a billion in our galaxy. Our galaxy is 1 in a billion in the observable universe.
Your estimates are a bit off. Our galaxy has somewhere between 200 billion and 400 billion stars, and the likely estimate of galaxies in the observable universe is close to the same number. The universe is around 13.75 billion years old, with an observable sphere diameter of close to 100 billion light years (expansion places galaxies much further away than we observe them).
Not to mention, our universe might be just on of a countless number of em.
There is a big difference between 0 and 0.000125
Only in mathematical terms. In practical chess terms there is no difference.