How do you measure this, though? When do you say “yes, it’s here now”?
If you live in the West, the last decade has already been a visible escalator of natural disasters. If you lost your house in a wildfire, the crisis has already long since arrived. On the other hand, if you’re living in a climate-controlled apartment in a temperate climate, you might not have noticed much different at all.
Climate change even under the worst projections isn’t going to suddenly change the surface of the earth overnight the way that, say, nuclear war might. It will affect different parts of the world differently, not just based on geography but socioeconomics, and richer developed countries with proactive governments able to implement mitigations and who can afford cheap energy (fossil fuels, solar, etc.) are going to be better able to adapt than poorer, smaller, and island-bound countries.
Those who contribute the most to it (China and the US) will probably also see relatively mitigated impacts just because of the amount of money and land those two countries can throw around to deal with it, even though both are dragging their feet. Meanwhile places like the EU are doing a lot of mitigation efforts, both for their own residents and presumably for the inevitable refugees coming out of Asia, Africa, and the Middle East.
There is no one single answer. A few billion dollars isn’t much to any developed economy; that’s like a week in Iran. A few million deaths, as in COVID, is also not much in the grand scheme of things. You’d need to kill a hundred million people to impact the world population by 1%.
It’s not going to happen equally around the world but concentrated in pockets of high-volatility regions (both in terms of climate and geopolitics). I think my underlying point is that there isn’t a singular “we” here. Whether you mean “we” as in a specific country (like the US), the West, or people overall, the impacts will be highly variable from place to place and affecting individual regions and households quite differently. Elon Musk’s experience with climate change is going to be very different from yours or anyone else in the US or South Africa; people living in coastal, tornado, or wildfire prone areas are going to have a very different experience than those outside those belts, etc.
Sure, climate change is going to increase destabilization everywhere, but the world is already plenty unstable and has been that way for most of our species’s history. At the same time, power and wealth are also getting more and more concentrated in the hands of fewer and fewer people, which means that the average person matters less and less. As long as the elites can run keep running their little empires, frankly, a lot of us little people can suffer and die and not a whole lot will really matter — we’re mostly invisible except at times of revolution and terrorism.
So my answer: From the direct impacts of climate change alone, centuries or millennia or never. Life goes on as it always had, and the earth has had much more volatile climates than what we’re facing now.
But from the indirect impacts of panicked, desperate humans using violence to try to escape their predicaments? Maybe much shorter… two or three decades? But even then, it’s not going to affect the whole world the same. There’ll still be pockets of rich people living just fine while the rest suffer, just like it is now. It doesn’t really take much for society to descend into chaos and anarchy, but then back into ordered authoritarianism soon after that. Even if (or, really, when) countries fall, societies will re-emerge and hierarchies will re-form and life still goes on.