I don’t think anyone would disagree with your idea that we are going to need a large amount of adaptation to a warmer world simply because the inertia associated with the climate system…and with the political and economic systems…means we are in for further warming. (And, at any rate, even if the warmer stopped tomorrow, sea level would continue to rise for a long time…because the inertia there is even greater.)
However, I think you have got the whole logic of the scientific argument wrong if you believe that there is going to be some dramatic warming not caused by humans. In fact, if the current warming were due to natural causes (which we know it very likely ain’t), then it would be unlikely that it would persist for a long time. (For one thing, if it did, it would take the planet to temperatures above those that have been seen for the last 750,000 years, which encompasses several ice age - interglacial cycles…and at quite an unprecedented rate.)
The logic is not, “Boy…The planet is warming dramatically, what do you think is the cause?” Rather, the logic is that it has been hypothesized for over 100 years (since Arrhenius worked it out ~100 years ago) that a rise in CO2 levels due to our burning of fossil fuels would in fact lead to considerable warming. Arrhenius even made an attempt to work out how much warming a doubling of CO2 levels would cause…and his result isn’t too far off of modern predictions.
The biggest “fly in the ointment” concerning Arrhenius’s initial calculations was the question of whether CO2 levels were really increasing in the atmosphere…or whether instead the oceans were able to absorb all the CO2 we were emitting. It wasn’t until the late 1950s that accurate measurements of CO2 in the atmosphere indeed showed that about half of the emissions were remaining in the atmosphere and thus that CO2 levels were marching steadily upward over time.
Then the question became one of revisiting the issue of how much warming this is likely to cause. Modern climate models have converged on an answer of ~2 to 4.5 C for a doubling of CO2 levels. This general range is also supported by evidence from the past. For example, we know quite accurately what the “radiative forcing” is due to a doubling of CO2 levels (3.5 - 4 W/m2) and we can estimate what the various forcings and temperature changes were at the end of the last ice age that brought us into the current warmer (“interglacial”) period about 12,000 years ago, allowing us to estimate what the sensitivity of the climate system is to a given level of radiative forcing.
Then, the question becomes: Are we detecting the warming that we would expect and can we in fact attribute it to rising greenhouse gas levels? That is where we make the connection with the empirical evidence that warming is in fact occurring.
This means that any hypothesis that proposes a natural cause for the current warming has to not only come up with a mechanism and evidence that such a mechanism is in fact playing out, but it also has to explain why the known mechanism by which greenhouse gases should be warming the atmosphere is not happening. For example, it must come up with an alternative to the standard explanation of what caused the climate to change from ice age to interglacial (the standard mechanism being that it was triggered by orbital oscillations that allowed ice sheets to contract over the northern hemisphere and also triggered the release of CO2 and methane…and that the forcing were thus the decrease in albedo due to the shrinking ice and the increase in these greenhouse gas concentrations). In order that the climate be relatively insensitive to greenhouse gases, it is necessary that this alternative mechanism provide a quite whopping radiative forcing because we know the global temperature changes were quite dramatic!
So: To summarize, it is not enough to just come up with a plausible mechanism that could explain the current warming. One has to show that it actually does explain the warming at least as well as the theory of greenhouse gas warming. Furthermore, one has to explain how a lot of current paleoclimate theory is wrong and basically come up with a new theory of paleoclimate. It is a pretty large undertaking!