Totally agree with all your points. The real value is in the community developing far into the future. Daily, weekly or even annual price fluctuations are only relevant when trying to cash out.
I have never taken a single cent out since I joined steemit and the ability to earn more steem from contributing something of value to the community is a brilliant option.

I see it for what it is...the future.

Once people catch on to the opportunities of steem. The link between steem and all other cryptos will be broken.
Then we will see a massive move in steem values but don't hold your breath. It's going to take a few years at least to break out of the quagmire of the many trash tokens on offer.

People need education on what is viable and what is not.
Steem has far more fully functioning and used daily Dapps than any other blockchain.

I have a website built and I'm working on a Dapp ready for SMT's when they arrive.
There are many more dapps ready and waiting for SMT's.