Yes, exactly, and Austen was making a point about the limited opportunities open to women of her class. Plain, dowry-less and ageing (at 27!), Charlotte’s two options are to remain living at home, a financial burden on whichever brother will inherit Lucas Lodge after their parents die (and who is already making comments about it) or to marry someone. She’s never, we presume, had a previous offer, and she’s a complete realist. It’s unlikely she will ever get another. This is a piece of unheard-of luck for her, and Austen does not condemn her for going after it, or depict her as miserable, even when married to a man she can’t respect. Having a home of her own is worth Mr Collins.
Lizzie, younger and prettier, and with a more outgoing personality, can still hope to marry for love as well as money, and so refuses Mr Collins, but is realistic in her turn about not being courted by Wickham or Colonel Fitzwilliam, both of whom are attracted to her, because both need to marry for money.
No one needs to settle now in the way Charlotte did, unless they’re desperate for children and determined to have them only in the context of a relationship.