So, 40,000 feet: Heavy life equation.
I have done some work on a "Drake-like" equation and the implications are shocking.
Life needs energy. That is perhaps its single most essential requirement. Using our solar system I took a look at energy available to life. I was surprised to discover that the sun only provides 17% of that energy while the friction and nuclear processes of planet cores provided 83%. Only the 1st 4 planet get a noticeable amount of energy from the sun. After Mars, the planet core energy dwarfs it. Jupiter could be flung into the deep void and it would barely notice. It would continue with its extremely hot core for BILLIONS of years.
That means life uses star radiation only when convenient. If it is there, life will use it, if not it uses its NORMAL and PRIMARY energy source - planet cores. This completely inverts the common, uninspected assumption that life is a surface phenomena. Most life in the universe is sub-surface*. Surface life is a fleeting and remote second. It isn't even close.
Surface life is subject to continuous disruptions to its environment. Cataclysms. Subsurface life is hugely insulated from almost every category of disruption. Life that has the capability to live below the surface has a huge and permanent survival advantage over surface bound life. The primary categorization feature is where it ultimately derives its energy from - the star or the core.
The metallicity of a star refers to the proportion of elements heavier than hydrogen and helium. These heavier elements are forged through successive generations of stellar evolution, as stars form, fuse lighter elements into heavier ones, and then disperse them through supernovae and stellar winds. Matallicity has a strong correlation to the amount of time that matter has been subject to evolution.
Life arrives in forming systems along with elements like a super-heavy element. The void transit filters for subsurface, or core adapted life.
TLDR: star systems tend to form pre-stocked with life that prefers to derive its energy from planetary cores.