Tbf, our gravity well is one of the hardest to escape from. Most rocky/icy (spherical) worlds could be escaped from in a Terran suborbital rocket.
The tradeoff is: harder to leave, BUT ready access to large amounts of material, including dirt for radiation shielding and water ice and in the case of Mars, CO2. Construction of habitats is far simpler too.
There's no reason to build a habitat orbiting Ceres when we can build one *in* Ceres, angled so as to ensure the gravity is pointed directly at the floor, as it should. Dig a deep tunnel, install the track, build the habitat and spin it up. No worries about radiation shielding then (except for the cap I suppose). Use space elevators for getting on and off world. Ceres could be dotted with such centrifuge villages, perhaps with a mass transit system through their centres to connect them. The ice and clay could be exported off world cheaply enough, to pay for it all (and for greenhousing the planet
).
Received.