Habitable planets of a brown dwarf

A brown dwarf with 1/16 th the mass of our sun likely would shine brightly for a few million years (not long enough for much evolution, but genetic engineering is practical) as the plasma compressed to higher density.
It would still be white hot inside when the surface cooled to dull red heat. At this stage it could have the same average density as our sun. It would then have 1/4 the surface area and 1/16 the volume of our sun? Only planets closer than Mercury would get significant heat at this point. Very advanced civilizations could colonize these planets. In a few million more years the brown dwarf would have 1.01 times the average density of our sun, a cloud top temperature of about 20 degrees c = 68 degrees f, making hot air balloon outposts practical, except the cloud top gravity is likely far more than humans can tolerate. Planets 10,000 miles (or more) above the surface, would receive too little energy to be useful with present human technology, but the colonists might find a way. At 10,000 miles the planet would likely be inside the roche limit, so the colonists would have to band their planet to keep the powerful tide forces from tearing it apart. Please comment, refute and/or embellish. Neil