I wouldn't write the Earth off so fast. She is a survivor, and she has beaten the odds. Our very own Moon was created in a planet on planet collision. Prior to that both worlds may have been suitable for life. So it isn't as if there isn't the potential for such an occurrence happening in the distant future that will stoke the planet back up at a later date.
They have found planets around White Dwarfs. So even a star ripping itself apart isn't necessarily a death sentence for a planetary system. In fact it probably shuffles the planetary stability into new directions. Lifeless for a way, but not necessarily forever.







