It probably sounds less than ideal to you and me, vs. living on a planet, but it probably wouldn't be so bad to someone born in that sort of environment and is used to it.
With that in mind, I don't know if it makes sense to try and find human habitable planets, vs. just places with lots of raw material we can use. Unless there's alien life we want to go meet up with, at any rate.
Yeah, and also at some point, it won't matter what's ideal or not.. it'll be about survival.
Edit: The sizes involved for launch would present no less than a hundred trillion budget at the moment.
And as for the 100 trillion budget, if you're launching from the earth, sure. Geologists are pretty sure the moon has plenty of materials useful for building stuff. We've already built mass drivers, and the physics for building one that could launch raw materials from the moon are perfectly sound.
Yes, we need to figure out mining materials and building stuff in space. But we're going to have to figure that out anyway if we want to survive as a species in the long term, and there's plenty of advantages in starting to figure that out now, especially since we're staring down the barrel of a gun vis-a-vis climate change.