Agreed (well, assuming the delta is more than a small fraction of a percent or whatever). But this is begging the question. If they are really independent then the vast, overwhelming fraction of all possible universes simply wouldn't have matter. Ours does have matter, so it makes our universe exceedingly unlikely. I find it far more parsimonious to assume they are connected by an undiscovered (and perhaps never to be discovered) mechanism.

Some lean on the multiverse and the anthropic principle to explain it, but that is far less parsimonious.

Is that actually true, if the charges differed at the 12th decimal place only? That’s non-obvious to me.

An interesting early theory of gravity was: "What if opposite charges attract slight more strongly than identical charges repel each other?"

If you tally up the forces, the difference is a residual attraction that can model gravity. It was rejected on various experimental and theoretical grounds, but it goes to show that if things don't cancel out exactly then the result can still leave a universe that would appear normal to us.