No, you really aren't
To be fair, you and I along with everyone else alive is the result of winning the sperm Olympics. The odds of getting to the uterus end zone is slim to none. Any non zero probability of getting to Mars and extending our collective existence is worth a shot.
That said, I do agree that it should be further down the list of humanity's priorities. Coincidently you're not the first person that has described a planet as a life boat. I watched a TED Talk years ago and the lady giving the talk said "Making Mars our backup planet is like the captain of the Titanic telling us the party is on the life boat".