There are a lot of interesting things that can be built in microgravity that can't be built on Earth. But getting raw materials up to orbit is really expensive

There are a lot of interesting things that can be built in microgravity that can't be built on Earth. But getting raw materials up to orbit is really expensive. If you're willing to wait for Holman transfers then it can be much cheaper to bring raw materials to Earth (or lunar) orbit from elsewhere in the solar system than from the Earth's surface. So in the medium term I expect human settlement of the solar system in much the same way you've got human settlement of the Gulf of Mexico or North Sea due to all people living on the drilling platforms. And in the long term I wouldn't be surprised if technology makes living on other planets much easier or non-human people end up settling outside of Earth.