The discussion is about avoiding it becoming one, and relative impacts. Humanity isn’t going to be dead tomorrow because of this, but may be in more pain in a decade or two, and longer term even more so.
If it happens, it will be much earlier than you hope, as millions, then tens of millions, then hundreds of millions force their way across borders, and fascist governments ride that into power and then start a global thermonuclear war. The refugees will only be fleeing crop failure and increasingly murderous kleptocratic government.
It is already starting. Lots of governments are flirting with dictatorship, and many have got there already. US and Brazil have drawn back a hairsbreadth from the brink, but for how long?
I'm just asking you to slow down a bit, and take care of how you are now.
Otherwise, you'll never get to the point of any of the other stuff mattering anyway - and likely make it a lot worse for yourself in the meantime.