You are overcomplicating it. Every living thing on Earth is a survivor of a very cruel process: evolution. You cannot imagine it does not mean it is impossible.
We can only speculate the steps. At first there were some molecule that was able to copy itself. Other molecules did not give a f**k so that molecule just multiplied and made mistakes and from those mistakes a lot were garbage but some gained new features. That went on for an insanely long time and here we are.
Do you want to know how does the eye develop? Look into organogenesis of the human embryo.
Those wires and motors assembled in a very interesting way without any magic hand.
Life happens when the conditions are met. It is the opposite of "accident".
