The Great Filter is the idea that, in the development of life from the earliest stages of abiogenesis to reaching the highest levels of development on the Kardashev scale, there is a barrier to development that makes detectable extraterrestrial life exceedingly rare. The Great Filter is one possible resolution of the Fermi paradox.
The Fermi paradox is the discrepancy between the lack of conclusive evidence of advanced extraterrestrial life and the apparently high likelihood of its existence. As a 2015 article put it, "If life is so easy, someone from somewhere must have come calling by now."
Personally I think it's photosynthesis. Life itself developed and spread but photosynthesis started an inevitable chain of ever-greater and more-efficient life. I think a random chain of mutations that turns carbon-based proto-life into something that can harvest light energy is wildly unlikely, even after the wildly unlikely event of life beginning in the first place.
Honesty, I don't think that there is a Great Filter. The Fermi Paradox strikes me as not very well-reasoned. A whole hell of a lot of things would have to go exactly right for civilizations to make contact, rather than it being the default assumption. There are lots of filters, not just one Great one.
But the closest to a Great Filter is that space is really, really. stupendously big. The chances of even detecting each other across such distances is vanishingly small, much less traversing them. Add in the difficulty of jumping the metabolic energy gap to become complex life, and that could reduce the density of civilizations down to a level that they're just not close enough to each other in spacetime to admit even the possibility of contact. And we're hanging our hat on some highly-speculative concepts like alien mega-structures harnessing whole solar systems to allow detection.
I think a lot of persnickety, smaller filters combine to make interstellar contact between civilizations against long odds. Perhaps the best we'll get is spectral signatures from distant planets that are almost-conclusive proof of some sort of life.
I think at some point, almost certainly not in our lifetimes, we'll detect the spectroscopic signatures of a planet that has an atmospheric makeup that HAS to be from life, but with no detectable signs of any civilization. Just nonsentient life. And we may never be able to get there.
I think you're probably closest. There aren't "filters" so much as we live in a universe that can only support life on a highly contingent basis, entirely by accident, at random intervals. It's filters all the way down, really. None of us are getting out alive, might as well enjoy it while it lasts.