IMO, there are much better novels about this subject not involving any techno-magic. Lem's Return from the Stars is an excellent work that explores this very question, and unlike Culture novels, it's down-to-earth and fully self-aware. Hard to explain what that means. Lem realized that the very notion of "meaning" will change in the future.

Many works by Strugackiy brothers also deal with this question.

I realize these writers belong to preceding generations of SF, but their works are still very much relevant and (IMO) far more plausible than futures of Vinge and Banks.