No. You may have been told by those in authority in your church group that atheists have never thought about the issue, but that is not the truth.
Don't think I'm flaming you here - but please realize that's pretty much the most arrogant and patronizing thing anyone's ever said to me. I have observed that the English Atheist, in general, has not thought seriously about this question. I have not been told this, as you claim, I have observed this first hand in countless conversations with many people over the years.
What you describe is the Anthropic Principle, and far from never being seriously thought about, it's been debated to death all over the internet.
Aside from the extreme fallacy of claiming that if an atheist can't explain how something happened, it must have been a specific god,
You haven't understood my point. I never argued fine tuning demonstrates the existence of God - though for Atheists it does remain an unresolved problem. I was explaining that many Atheists (that I have spoken to) tend to be lazy about doubting Atheism in just the same way as he accuses some Christians of being lazy, when they are asked hard questions, such as those about fine tuning.
it can also be pointed out that the universe is not precisely tuned for human life.
In fact, in all of it we know about, with the exception of one tiny portion of one tiny planet, we can't even breathe. And even on that part there are places where it's so hot and humid you'll die within hours, so cold you'll die within minutes, wind so strong it'll kill you, ground that shakes, falls, burns, fills suddenly with water, or just collapses under you unexpectedly. And that's not to mention all the other life forms, from large predators to tiny micro-organisms, that kill millions of us every year.
You say the universe isn't hospitable enough - ok I understand that. But that's a distraction, because even for this universe to be even barely hospital at all an astonishing level of tuning is required to ensure that the universe doesn't implode, atoms don't evaporate, and stars can burn. This is a very serious problem for the Atheistic worldview, but very rarely have I seen Atheists stop and doubt and think on this, and this is my point - Atheists are not per se any less lazy about doubting than Christians are sometimes as GP was claiming.