1) Picking something up from the floor is perhaps a smite more simple than digging it out through rocks via uncounted kilometers worth of tunnels! besides- are people in the future going to build their cities on Titanium, Gold, etc? No Sir!
While fancy star ships may require such, planet dwellers will certainly still depend on far less advanced resources- especialy since Earth is running low on quality ore within reach.
Think wood: What are your kitchen chairs made of? The kitchen itself, the roof, the table, the doors, the garden shed, the dog house- its not something fancy such as Platinum or Silver- Now think iron... and all those Martian resources we still haven't discovered yet.
2) You are "betting"? Wow- science at its best- or should I say 'Perfection'? (BTW- you are wrong with your 'taconite mine', Nitrogen and traces of Titanium have already been found on Mars, as well as higher quality Hematite and Goethite.)
3) Surface Area? So you suggest that a Space age economy uses highest quality resources but is limited to a life on the planetary surface of a planet that is just around the corner, merely one of a vast number of planets within the huge space empire? Not that I would like to start adressing the wonders of terraforming (which is an almost nonexistent feature in GalcivII- in fact i would welcome it, would Stardock implement a more elaborate resource system into the game), but has it ocurred to you that Mars features a vast sub-surface system of canyons, caverns and the like? Since you like mining for resources that much a bit of digging for habitat shouldn't be a problem, right
?
4) Actualy now I am baffled at such suggestions. - First you adress the relatively small size of Mars (compared to Earth) and now you want to build colonies on the Moon? How many points would you give that little barren rock then?
Mars as oposed to the precious little Terran moon has also got
a) Polar Ice Caps (i.e. Water),
b) an atmosphere- and this one consisting of CO2 (95%
Ideal (!) for microbes and plant life
c) posesses an active core
d) an earth like seasonal system
e) weather comparable to that of earth (clouds, etc)
f) a more humanly adaptable gravity
g) a day-night circle of almost identical length of Earth... and so on...