How do proponents of the Fine Tuning argument for God, refute the puddle comparison?

The [fine tuning argument](https://www.discovery.org/a/91/) essentially states that there is so much about the universe that is "fine tuned" for life - eg things like the gravitational constant would cause the universe to disintegrate if they were off by 1 part in a million million - that there must be a creator who did the tuning. The most common response from eg atheists is comparing the situation to water in a puddle remarking on how the hole in the ground is exactly the right shape to hold it. In other words, claiming that rather than the universe being fine tuned, it just fit the existing conditions out of necessity. Whenever this is mentioned in Christian forums, it is pooh-poohed and derided as though it is obviously wrong, but no-one ever seems to actually explain it. What is the "obvious" refutation of the puddle analogy that everyone seems to know?