Practical QC is like nuclear fusion. People have been saying we're only a couple decades away for decades. And yes, we have made a lot of progress, but no one really knows for sure how far off we are. There might be a huge breakthrough within a couple years, or progress might stall for decades.
I think that it is absolutely worth researching post quantum cryptography, and if you are a high value target, maybe even using it. But it probably isn't necessary to use it everywhere yet.
During a Google podcast below[1] a host (reportedly with a PhD in Quantum Mechanics) expressed a similar opinion as you at first, then started to take the threat more seriously as he heard from an experienced Google colleague.. This was in 2024 before the Google Willow announcement[2]. Thank you for your thoughtful response!
Worth a read: https://blog.cloudflare.com/nists-first-post-quantum-standar...
Google: https://cloud.google.com/security/resources/post-quantum-cry...
Various interesting Cloudflare blog posts here: https://blog.cloudflare.com/tag/post-quantum/