Should I accept a disaster loan?

I applied for an E I D L a few months ago. In the meantime, I got awarded the P P P and kind of forgot about the disaster loan. However, they finally sent me an application update and I can request up to $40,000. It looks like the first year would be payment free. Knowing that the economy will most likely not recover any time soon, would it be wise to me to accept this loan and then just repay before 1 year it if things go back to normal?