Should I accept a job I really don't want?

I’ve been unemployed since August and the job market is very competitive right now. I finally got a job offer but I am absolutely loathing to accept it, I have one day to decide. I’m not on unemployment yet because I received a lump sum severance pay in September that equate to 4–5 months salary.
There are beginning to be several jobs posted more in line with my career goals popping up. I’m actually waiting to hear back to see if I got this other job I want but they won’t be reaching out until next week. My husband is working (we own a bread route) and even if he doesn’t work, we still have about 6–8 months worth of savings.

I don’t want this job because it’s in nonprofit which I’ve been trying to steer away from after bad experiences of low pay with no growth and tight budgets, it’s mainly recruiting (I hate recruiting and have been trying to be more HR focused like a generalist), I have to drive around the state which is anywhere from 2–3 hours a couple times a week, and the medical insurance is too high (nearly $500 for my husband and I…we currently pay $150 for an individual plan). The pros: people seem decent, decent pay but lower than my goal, and a lot of PTO.

I’m waiting to discuss it with my husband for his thoughts. Do I accept a job I’m not interested in when I’m not desperate yet? I honestly would still continue to look for other work as much as I can try while employed there so I don’t want to waste both our time if I wanna try to leave anyway. The onboarding takes forever so it wouldn’t be until January to start.