Edit: We survived an ice age and we're very highly adaptable. Plus, we will hold on to some percentage of technical knowledge that will help us adapt faster.
I pretty much agree with most of your assessment. Thank you for mentioning insurance and real estate, as that will particularly impact countries like the US, where the two have been in a feedback loop, greatly inflating home prices.
I just worry that any technological advances will only be used to either directly help people at the top or to make them richer in the process of helping those below. That has been increasingly the trend over the decades.