Your point 1 is why I expect any colonies on the moon and mars to stay as short-visit research colonies with any installed industry being as automated as possible. Long stay off-world colonies will be actually off-world. They will be spinning orbitals with public habitat around 1G.
I'd also expect biology research to start to change this calculus before physics research does, as we are likely to be able to engineer humans to put up with low gravity environments sooner than we will be able to engineer a gravity field.
I'd also expect biology research to start to change this calculus before physics research does, as we are likely to be able to engineer humans to put up with low gravity environments sooner than we will be able to engineer a gravity field.