If we're just going to make stuff up, it's tough to have a reasonable debate. I'm not trying to discredit you, but that's a rather big "what-if" assumption.
It is most certainly an anthropocentric, hubristic argument.
Think of it as a thought experiment. What would you think about fine-tuning if that race of creatures actually existed?
Besides that aspect, the universe is decidedly not a very nice place to be for a human. We would freeze, combust or suffocate in 95% of our Solar system, let alone our whole galaxy or universe(I assume this reaches into the 99.9999999% range on those scales.) In 10 billion years, our Sun is going to expand into a red giant whose outer reaches will extend past Earth. This will turn our planet into an uninhabitable desert and in all likelihood, will consume our entire planet.
I'm not sure that is exactly fine-tuned for humanity.
In addition, recent advances in cosmology indicate that we most likely aren't the only universe. These proposed universes would pop into existence in the multiverse. Some with physical constants that closely match our own, some with physical constants which would make them collapse into a singularity immediately.
I think the fine-tuned argument was pretty nice sounding in the 19th century, now, I don't think it holds much weight.