My guess, as it was last year during the bullrun as well, has been that 2018 we'll start to see ICOs for more consumer facing dApps, but we won't see most of them + mass adoption until 2019. Banks are looking like they'll be working through modernization in 2019 and aiming to have some initial DLT projects online by 2020. Past that, I expect things will be firing on all cylinders and tokenized assets will start to becoming a financial instrument more and more people are aware of and interested in.
So TL;DR: no, I don't think we've quite hit the adoption phase yet. 2018 is going to be a re-tooling phase. The era that connects the janky science experience of yore to the real world of software development. We'll still see gains, and plenty of them, but they won't be anything compared to what comes next.
Great take. I think you're right. Time for the janky tech to get better so the consumber can enjoy it.