I can't tell you what to do, I know only what you have told us here and, in any case, it's your decision. What I can do is tell you about my life and my opinions.
I am just about to "retire" having been in receipt of diability benefits for 33 years. I do not recommend it. It's boring, isolating and always being short of money isn't any fun either. The retirement age has changed multiple times in my lifetime, and there has been at least 2 major changes in the rules plus many small ones. At no point could I predict what has been the actual result.
If you have plenty of interests, an active social life and lots of friends, not having to go to work can be a benefit. The problem is when you don't have those things or, over time, your access to a social life and your number of friends diminsh. It's common for friendship groups to turn over - people move on for various reasons - but if you have limited contacts with other people it becomes difficult to make new friends. Work gives you an interest, gives contact with other people, gives a routine and a shape to your life (and that's quite important for human beings), and gives you something to do. With luck it will give you more money too.
When it comes to studying, it can be a mistake to study something solely to get a job. It's important to study something in which you are interested. That way, the studying itself becomes rewarding. If it helps you get a job then that's a bonus. In your case, studying would have the added benefit of getting you away from a job you don't like.
If you choose to go down the road of disability benefits, you are cutting off any options. Once you start claiming benefits, your chances of ever getting a job again are minimal. You will find it very difficult to change your mind some time in the future.
In my opinion (which may be worthless), I think your best option is to study, and to study a subject you enjoy without trying to predict the future beyond that.
Best wishes