So, the argument is let's not go to Mars because we'd have to deal with cosmic rays. Instead, let's go to Titan, which has an atmosphere, but is ridiculously cold and rains methane. Also, we can't go there because it's nearly thirty times the distance. Plus we'd still have to deal with cosmic rays along the way. I'm not convinced.
Still trying to figure out why under the moon surface isn't an open topic for these guys. From there you could go to anywhere else. Other than travel time, the risks of Titan and Mars voyages should be the same, yes? Neither one has a realistic rescue option for the stay or duration of trip
As long as you can manage the travel, Mars is by far the more desirable target for colonization, both short term and long term. Elon Musk believes that his ITS can cut travel time down to 2-3 months, which seems reasonable, even if your craft's shielding isn't the greatest.