Eukaryotic cell is such a bonkers insane development, I definitely lean towards the impossibly lucky scenario. There was no need for that to be the origin story of a mitochondria like organelle (https://en.wikipedia.org/wiki/Symbiogenesis), but that's what we think we have.

That being said, there was an experiment (https://www.pnas.org/doi/full/10.1073/pnas.1115323109) which was able to select single cellular organisms to "become multicellular" in a rapid amount of time (<50 generations? been a while since I read it). Which says to me that, theoretically, the process is not hard, it just requires trillions of attemps to evoke something that works.