Yep. It's all about mass at those scales. There will never be a time when it makes sense to ship giant habitats full of water, and oxygen, and meat around.

Brains will be uploaded to machines, or human descended AI's will will be built and tasked with exploring the places it's unsafe or too time consuming for us to visit directly. The square jawed men with laser guns will have to stay at home and watch. Maybe those AI's will be built to start cloning humans once they find a good spot or something, but it's never going to make sense to ship squishy meat sacks and the metric tons of accoutrements required to keep them alive all over unless/until we find a way around the speed of light or perfect hibernation.