Universe's Fate and it's Life Support in the Future?

Our Universe is essentially "powered" by the conversion of Hydrogen to Helium. Just as someday our fossil fuels will run out on Earth, so also will our Universe's Hydrogen run out. When that happens, the Universe will be quite a cold and dark place indeed. But the last red dwarf stars will wink out in at least 100Billion years from now, or maybe longer. Our Cosmology is not sufficiently advanced in my opinion to accurately predict what will happen after that. Life has advanced from the simplest microbes to Humans in "only" 4 Billion years on Earth. Who can imagine where or what life will be like in another 100+ Billion years? While it is fun to speculate about such things, I prefer to devote my thought energy to issues more close at hand, such as developing controlled nuclear fusion or putting humans on Mars and beyond. But it was fun digressing from these more mundane thoughts for a few moments....