Radiation is very much overrated as a hazard. Some shielding is required, but not overly much. One fallacy is that we need a radiation level as low as at most Earth sea level locations. There is, for example, one location in Iran, where radiation levels exceed what we expect on Mars and there are no recorded radiation related problems.
These temperatures are in near vacuum, the swings are not hard to deal with. More problems with heat rejection are to be expected than problems with the cold. An engineering problem.
Yes, the dust storms are a problem, if the energy source is mostly solar. But even with severe dust storms the output does not get near zero. Energy intensive industries will need to be shut down. Food and air are in stock.
There is readily available water in huge quantities. Yes, a Mars settlement will need to be advanced in technology and infrastructure.
These challenges will mostly disappear when there are more than a few hundred people. Communication with Earth will be available at any time. Not very hard to have relay sats so communication can be maintained during opposition, when the sun is between Earth and Mars.
I don't expect that multiple governments will be involved in leading roles. That would indeed doom the effort. Scary example, the ISS.