You're on the right track.<br />
If the degree will wind up paying for itself, sure. If you can't afford to put in the time or pay for it, that's a valid and huge consideration.
what do *you* want? if you have the means and the ability and the desire, go for the brass ring.<br />
i imagine you could walk out the door and start making big bucks with your masters. unless you're in a hurry to put up a picket fence and get a dog, a car, and have some babies, why trade academia for the daily grind? <br />
these are the best years of you life, so why switch gears unless there is a clear need to do so?
ok, so it isn't a choice between school and settling down.
if you want it and you can do it, you'll be pushing 50 by the time you're done. 15-20 years to reap the benefits, max. so, how big a difference is there between the 9-5 and the paper chase? it might be nice to have some quality time with the kiddlings before they grow up and move out, assuming the career world is more family-friendly (oh, really?) than graduate studies
I am a firm believer in higher education. So I may be biased when I say abso-damn-tutly you should. :)