Light-ning showers
Habitability seldom overlaps with computability. Thinking on a galactic scale, our survival might be better hedged by strategy not very different from what Vernor Vinge describes in Zones of Thought: imagine how, the more developed civilization is techwise, the more it tends to migrate outward from the galactic core, farther away from dangers of intense radiation showers and so on.
(However, dystopian consequences of American cult of suburbia living could be pretty much read into it, too.)
Next time Sun decides to remake the Carrington Event(s), we may well get the short end of the orbital stick. That’s why, folks, we need the backup planet or moon, and this is just for the start.