You haven't actually addressed what I said. Just because the pay off will be delayed doesn't justify delaying the start. You can say it's better to wait until technology matures and I say we should start now to force the technology to mature.
I sort of did address what you said actually. Since there's over 7 billion people on Earth, it seems very likely to me that spillovers from R&D spending in robotics, AI... for Earth purposes are going to do much more to make a future Martian colony self-sufficient, than R&D spending specifically aimed at such a colony is going to. A fully autonomous mine, including autonomous maintenance, with the only human input being supervision, makes your average mining firm salivate and much of the technology would presumably be applicable on other planets. Same when it comes to manufacturing or transportation. I think even future R&D spending aimed at commercial space mining alone would do much more to bring about a self-sufficient colony than few hundred people on Mars. Practical, immediate applications always have done much more to bring about technological progress than far-off dreams. Rockets and computers weren't invented for the purpose of space travel either.
Bottom-line: I just don't see colonizing Mars sooner rather than later doing much to bring about a self-sufficient Martian colony more quickly.