Apathy is as valid an outlook as any other. Like you said, instincts and emotions come from chemicals and electricity. We are derived from a very long chain of impossibly tiny and innumerable interactions like that, from the beginning of time.
To me, though, that makes life seem like something a bit more interesting than it can feel at times. It's pretty astounding to think that we all rose from an explosion of molten dust and elemental particles, somehow, to be able to be here, discussing that fact with people thousands of miles away.
Nothing matters, but here you are, wondering about meaning, so that's gotta count for something.