Create your own "religion" or philosophy then? In the end it's probably better than what neurotypicals came up with.
Imagine there would be no cosmos, no universe. Just emptiness forever. That would kinda suck, wouldn't it? I mean you will certainly find something beautiful in this universe. So something existing is preferable over nothing existing.
Does life necessarily need a meaning? I don't think so. But it can have one, if you want.
You are likely caged by your "cultural programming". Meaning that your definition of the word "meaning" is determined by the culture you grew up in. Make yourself free from that cage. It's a cage created by neurotypicals, which does not fit you.
If you want your individual life to have a meaning, then define the word "meaning" in a way which makes it possible for you to have a meaningful life.
And about life itself... well. Without life, the universe is quite awesome. But it's a little too repetetive. You will find Earth like planets in all corners of the universe. They're all unique, but also very much the same.
Now put life on these planets. Life will create a vast amount of variation, which would be impossible without life. It will constantly create novelty, new shapes, new smells, new noises, new beauty (and ugly), etc.
So life makes the universe more complete. So maybe that could be the meaning of life in general. Or maybe it's something much deeper, which our feeble human minds with their very limited extent of consciousness are unable to grasp.