This is the best thing anyone's posted so far.
The universe is a hard place, and sometimes we can't afford to wait on a method to reach 99% survivability.
Of course, this is also the modern world. We do not want to go back to indentured servants and slaves. So don't.
Don't send anyone who doesn't want to go. Make sure they know the risks. Make sure they're trained well. Make sure they understand what they're going to be expected to do, and make sure they understand the difficulty involved.
Then send them up there with the best supplies we can, and hope they make it. Hell, maybe we'll get lucky on our first try.
Regardless, keep trying until a colony survives. Everytime we fail, we increase our chances of success.
Once we start doing it, we'll learn what works. We'll get better. After that, the risks start falling much more quickly.
There's a reason we admire pioneers.