In terms of other planets it really doesn’t make any sense outside of pure scientific exploration (frankly it’s a good thing that it doesn’t make economic sense) and for the strategy I described the moon is a better candidate anyways, for the reasons mentioned. That’s what the Chinese moon missions have been investigating at least.
Considering the toll long-term low gravity takes on people it’s almost certain that’s going to be the case. Having human habitats there is a lot of unnecessary complexity, but maintaining healthy humans in those conditions is categorically worse.