It seems that we can say that we are completely governed by the universe but then at the same time step into a state of freedom to choose and have the power of will. How is it possible that both states can be our reality depending on our state of thinking?
In a classical universe, it may be possible in principle to predict things, but impossible in practice. So we use predictors like character and identity instead of just initial conditions.
In a quantum universe, there is https://en.m.wikipedia.org/wiki/Superdeterminism
So, in these views free will is the subjective experience, even in a deterministic system.
Fate is usually used in a different sense though, in terms of inner qualities or characteristics which must inevitably manifest, in a way that can't be subverted by rational choice or other subset of who someone is, that results from their whole being. Perhaps that they were born with, or was otherwise predetermined. So I suggest you can have choice, determinism, and fate, all separately.
Always seemed to me determinism is borne out of cognitive bias, rather than any specific observations though. If you can't solve the problem of induction, how can determinism even be meaningful? It would be beyond any possible science to observe it as logically required or inevitable, or even as set to continue. Quantum mechanics has further shown god does play dice, and not just with the future, with the past.