For most evolved creatures, it matters very little if their germ line is extinguished in 10 years or 20 years - these outcomes are both germ-line extinction, they are both equally bad.

If they're equally bad, then congratulations - you've managed to make germ-line extinction not matter at all. Cause, see, that was going to happen eventually anyway, with the heat death if nothing else. If your reaction to learning that the universe is probably going to end wasn't suicidal despair, I have to think you don't actually believe what you're saying.