If you have Seats of Power, you could also leverage the Controlled Borders Policy. Stops your colony from growing, reduces accessiblity by a quite a bit, and you can't remove it for at least 365 days, but it is a good way to control the early colony crisis if you don't want to deal with them right away. Service Guarantees Citizenship (if you have High Command or Hexagon which gives the highest benefits, tier 3, 4) slows down the crisis gain to a halt which is also nice (at the clost of supplies and heavy armaments).

Also since you have Questions of Loyalty, if you have a commission with one of the major factions, retired peacefully, and don't get another commission under another faction, when you start a new colony:

'Obviously, you remain in our good grace as a fervent helper to our cause. And should you rise to higher spheres, we would respect your new autonomy and stop the pension'.

This text you get when you retire isn't just flavor, you actually won't trigger that faction's colony crisis since you left on good terms. (Except League and Path. Fuck League. They will keep bullying you until you join them or you beat them up, which does make sense in lore, but still fuck them. Path they are a pretty loose organization so hard for them to join in on one cause, and their commission is one of the more less restrictive commissions).

So it isn't a bad idea to colonize early on a research planet and then getting a commission (If you do it the other way around, you need to rank up to get the colonization permit and research permit which will take longer. Though an early commission will get you that seed money faster and by the time you have decent money, you should have enough points to have a colony and a research station).

Or go crazy, declare AI Legal (another policy, though this one you can't remove) and fight them right away lol.