I've been on Social Security disability for seven years--for the first year I was off work I was on state disability, which is how it works in California. My claim for SS disability was granted the first time out, I think because I had a therapist who did an astounding job of providing extensive supporting documentation.
At the time, for me, disability was a godsend, because I really was not able to continue working at my very stressful and demanding full-time job (in the legal field). After a brief time I got a low-stress part-time job to supplement the disability, because it wasn't really enough to live on by itself. So really I've worked the whole time I've been on disability, but not full-time. I used the free time to rest, take long walks, bicycle thousands of miles, write (mostly journaling, but I also had a few things published), and really concentrate on therapy and my own healing.
All that said, being on disability is no walk in the park. On the material level it really reduces you to being functionally poor, unless you have a lot of material resources accumulated, which I didn't. There is huge social stigma involved, especially if your disability is not something physically obvious. I also dealt with feelings of being a lazy useless crud, and just a lot of shame about needing to be on disability. It took me a long time to come to terms with all of that and just let myself be.
I'm much much better now, and I expect to be back to a real full-time job and off of disability in the next year, hopefully the next few months. It probably literally saved my life, being able to take that long break for healing and getting myself together.
If you have a choice not to be on disability, I'd say don't. But if you really can't continue what you are doing due to some issue of physical or mental health, that's what it's for.