Ohhhhh boy, I get to nerd out. OK, super short story; reading and chatting about The Expanse book series got me pointed towards the work of Alastair Reynolds. The early parts of his universes arch aren’t really relevant for your purposes, but in the latter books, how humanity survives on lifeless rocks, is exactly what you’re looking for. Plus, he’s a astrophysicist doctor, iirc, and it is quite quite good hard Sci Fi.