You and I seem to think alike often. What do you think of my comment #37 ?
I have commented on this earlier.
Wormholes/portals make the problem go away.
Folks in the secret space program claim that is how it is done.
In addition the future technology being used (nanotech on steroids) offers plenty of protection from space radiation, micrometeorites etc.
On moons, asteroids and planets almost all activity is underground to protect from those issues.
One book that gets into a lot of minutiae of life off-planet is this one:
https://www.amazon.com/Ceres-Colony-Cavalier-Account-Abduction/dp/B09PHH7LC7
Most folks here will not believe his account of life on Ceres “colony”—but the detail is quite amazing—and imho persuasive.
The colony is predominantly below the surface.
Ceres is a large asteroid (which today is sometimes called a “dwarf planet”).