I suspect lacking a good surface fuel source might be more limiting. Imagine the difficulties making metal tools with no wood to burn.
It's quite possible that we stand where we are as a result of a very long series of very unlikely events and conditions.
But we really just don't know.
I am reminded of those few galaxies in Bootes Void who legitimately wouldn't be too wrong in thinking their galaxy was the observable universe until they could see beyond the dark.
https://en.m.wikipedia.org/wiki/Gasification
Gasification can be used with any organic mater, wood and hay are pretty common materials.
It might be slower but it would still get you there.
I believe that there is some speculation that plate tectonics is necessary to sustain the sort of environmental stability, over long periods, believed necessary for complex life to evolve.
I think that is speculation at best. Looking just at our local system, Mercury appears to have active tectonics, Venus is now believed to have active tectonics, Earth obviously does, and Mars is believed to have had them at one point if not currently. And there seems to be evidence of both tectonics and liquid water on Titan.