While the risks can sometimes be overblown you seem to be swinging in the opposite extreme. The ISS and all shuttle flights have all been well within the Earth's magnetic field, which is our biggest radiation shield. The Apollo program is the only time we've sent humans beyond this shield.
Mars has a minimal magnetic field compared to Earth. Just about every plan for long-term habitation of Mars has involved spending the majority of the time underground due to the radiation exposure. As others have pointed out, digging this out and living in it is not going to be very easy.