I think I agree with you about Daniel Boone in space, that if the (personal) resource costs were more tolerable we'd start seeing it. What I'm missing originally is the number of people willing to pay even millions of dollars to simply skim the surface of our atmosphere, a healthy portion of which don't seem primarily motivated by status. So yes, you're coorect that we'd probably have had a lunar colony if it were feasible to deliver people at fairly low cost; in fact, if the cost is low enough, I can see this as highly likely both for Daniel Boones and high risk research.

It would not so much matter if an accident released a virus into the lunar vacuum or obliterated several square miles of lunar surface, but we might have found it useful to station researchers or at least maintenance there to carry this out without communications lag or other issues.