I agree, earth orbit is great for deploying tech that helps us on the surface. The moon may prove useful if there's something of sufficient value to bring back. Mars is pure 'human endeavour', putting it kindly. Some individuals with large egos and wallets are pursuing it just because they can. Any sense in which Mars could be 'colonised' is indeed fantasy unless we are talking over a hundreds-to-thousands-of-years timescale, and you can be sure that it wouldn't be some haven. For one thing, the military would be the first to occupy, and if that was the military of one country you can be sure that they'd be joined by another fairly soon, and then...
Given we seem to struggle with working out how humans will get on okay on earth in the coming decades, we should not be distracting resources (our own and our planet's) until we have solved some more pressing issues. Given most of the 'wealth' that we have today has been created by exploiting fossil fuels (or exists only within financial systems), we have a huge job ahead in transforming society into something more sustainable.
> there is no future event that would make earth as uninhabitable as Mars is today
As I heard someone say recently: while we think about terra-forming Mars, we are busy Mars-forming Earth.