my problem has been that the hazard rating has killed a lot of my colony's
If hazard rating has 'killed' a lot of your colonies then maybe you should stop trying to make them grow until you're in a better financial position.
Habitable worlds have a negative interaction with Corrupted/Pristine Nanoforges and are incompatible with Autonomous Mantle Bores, Catalytic Cores, Plasma Dynamos, and Synchotron Cores, so they're suboptimal locations for most industries, and on top of that Soil Nanites are incompatible with any economically-interesting amount of Rare Ores so one of the things that can make a habitable world an interesting mining candidate despite incompatibility with the Autonomous Mantle Bore also makes it worse for farming.
Choose your Colony!
- ( ) Pastoral Paradise by day, Drug and Organ Farm by night
- ( ) Thermonuclear Sunrise (borrowed planet in major faction's system + missed a bombardment fleet)
- ( ) Hard Vacuum Hellforge planetoid
- ( ) Gaia World but mercantile convoys keep going missing (colonized in [REDACTED])
- (x) Hard Vacuum Hellforge 2: Extra Irradiated
You seem to be missing the point; ideal colony locations aren't about where I'd want to live but rather about what makes the most sense for each industry:
- Farming ideally wants Bountiful Farmland, an Orbital Solar Array, and no Rare Ores whatsoever.
- Mining ideally wants either a gas giant with Plentiful Volatiles or a rock that isn't Habitable and has the closest thing to Ultrarich Ores, Ultrarich Rare Ores, Plentiful Organics, and Plentiful Volatiles you can find.
- Refining and Fuel Production both want an airless rock.
- Light Industry wants a Habitable world.
- Heavy Industry doesn't want to be anywhere in particular, but since a lot of Habitable worlds start at 125% or 150% Hazard Rating and Pollution is +25 points to Hazard Rating, putting it on a Habitable world often isn't particularly better than putting it on some inhospitable rock or over a gas giant.
Mining, Refining, and Fuel Production are unlikely to do better than 150% hazard if you want to use their associated items, Heavy Industry probably isn't going to do much better since it's usually a worse use of a habitable world's industry slots than Farming, Mining, Light Industry, Commerce, or military infrastructure, and hazard rating's a straight multiplier to upkeep costs so a 250%-hazard world isn't actually that much worse than a 150%-hazard world - sure, it's a two-thirds increase in upkeep, but Mining, Refining, and Fuel Production should be making enough, especially when item-boosted, that that's not going to be a particularly significant problem, and Heavy Industry isn't really something you build for the income it generates so as long as it's more or less offsetting its costs that's probably good enough.
Also, 'pastoral paradise by day, drug/organ farm by night' sounds like a murder capital.