re: Exactly.
[Earth may become too uncomfortably hot for even microbial life in another 500 to 900 million years.]
I may have been 'pessimistic' in my example when using Sol, but long before that happens there's always the threat of asteroids, comets (new comets may be due to perturbations from the Oort cloud/Kuiper belt brought on by fluctuations in the ISM due to our Local Interstellar Cloud/nearby star...our own sun's fluctuations/cycle) or threats to our survival can be more localized via volcanic erruptions, earthquakes, tsunamis, hurricanes(ugh)...
"And what's the automatic reaction: "We gotta do something!" And when necessary we do."
Yes.