In the outer solar system organics and water are abundant (and in the inner there are plenty of carbonaceous chondrites, admittedly not the most generic inner-system bodies).

Agreed that metals should unlock wider opportunities in the inner system where solar energy is more abundant. I just don't think it matters much, you need a good place to plant your seed; once you've built up to scale you can then build wherever.

(False that life dies in minutes in space; plus the engineers can invest in even greater error correction than radiodurans.)