This is why when you're calculating the actual value of time dilation, it considers what fraction of speed of light you're traveling. Because if you were the traveler, time dilates and length contracts EXACTLY enough to make light appear to travel at 1c (regardless of your own speed).
Time dilation is only 1/2 the story. The other half is distance measurements get distorted.
People in the spaceship see the same maximum velocity of objects they pass aka c. However, if a huge measuring tape with say light year tick marks passing them they are going to measure it’s speed at say .99 c and the time between tick marks is X. Alternatively, at .999c they would get a new time period Y. However the difference between X and Y is not simply .999/.99 but rather a more complex relativistic adjustment.
However, this is only important for people on the spaceship. For people staying home the it takes 3.5x the energy to hit .999c vs .99c yet it’s only shaving 1% off the observed travel time. Which is unlikely to be considered worth it by just about any civilization baring significant changes to the laws of physics.
Particle physics get matter to 99.9999% of c which causes crazy time dilation to the particles and nothing to the scientists. Further, constant 1g acceleration of a starship to high fractions of c is basically science fiction. Not even matter anti matter reactions can keep up those energy demands for very long.
It is not necessarily true that more time is spent aboard a ship than light would spend taking the same path, as measured by an external observer.
If you had a ship capable of accelerating at 1g indefinitely, then as measured by the crew, they could cross the galaxy in only 24 years.
https://en.wikipedia.org/wiki/Space_travel_using_constant_ac...
I like everything else you wrote.