It's happening right now.
I find it useful because we might, in fact, overcome this, but for now we seem to be on track for 3+C of warming within my kids' lifetimes, wet bulb temperatures making a decent chunk of the Earth uninhabitable (even naked healthy people will die sitting in the shade), the loss of the majority of insects we need for pollination, sea level rise giving us millions of homeless people, wars breaking out over access to resources, increasing ocean acidity and anoxia threatening sea life, accelerating self-reinforcing carbon emissions (hotter weather melting permafrost releasing methane making weather hotter, ice sheets melting reducing albedo making Earth warmer and melting more ice) etc. and all of those put together don't make me optimistic.
Unfortunately the problem with "we managed to overcome it" is that everyone who didn't manage to overcome is not around to comment. I certainly aim to be someone who "manages to overcome it" but that won't happen by being ignorant of the dangers we face and failing to adjust my life in ways that maximize the probability of this.
I don't think you'd be the lone survivor in the post-apocalypse, short of going full Venus the planet will sustain _some_ life, including humans, hopefully. Where there are groups of people, or most other mammals I'd venture. there is at least the possibility of joy.
IPCC working group 1 is putting out a draft report Monday, let's see what they say.
Truth is, everything turned out somewhat fine.
I can definitely see planning for a sketchy future, plan for the worst and all that, but I'd say that the average person's biggest risk is simply staying employed for an entire career. The sub-average is in constant trouble with LEOs, ex-wives, has poor health lifestyle choices, but you have relatively good control over that.
(I’m skeptical on the hydroponics as a long term thing as well - traditional farming remains in the dirt for a reason, it’s much more practical - but the basement stands out more.)
If you're using generators burning fossil fuels to power lamps to grow food, that's an incredibly expensive way to do it. And if you're using "100W light bulbs" I'm not even sure what you're doing — is this traditional white light bulb or what? I sure hope not, but most grow lights aren't bulb-shaped and tend to come in larger wattages as a 600W LED grow-light panel is usually rated for about a 2'x2' area, which is not really a lot of food; you'd be looking at 9KW for your whole basement.