It’s low, but I’m not employed, living on disability and savings, so the sooner I pay it off the better. I’d be much better off not spending my full payment every month for the mortgage.

In general you are correct though, and I’m not actually in a hurry to pay it off because I don’t have enough to do so. But if I got the bulk of it suddenly for only one day, and could pay the rest from what I already had, absolutely.