I guess there's no "correct" answer and I'm a contrarian who doesn't believe in degrees (but in learning).

However, based on what you say and how you say it I get the impression that you are a "can do" person who isn't too keen on spending more time in a classroom.

Make of this what you might - and, since I don't know you, I might be totally wrong. Except for one thing that caught my eye: reinventing yourself! That is the single most important skill you can have (I've done it a dozen times and been quite successful). Being petrified in a profession (or discipline) seems awfully unattractive and the source of many ills.

But that's just me! So please don't take this as advice. It's just food for thought and I understand how difficult that decision must be!