My advice is to look into a quality, terminal, local MA program. Those may be hard to find, as most places just give out MA's as a PhD consolation prize. Use the MA program to really figure out of going on is worth your time as well as make some contacts. Like I said, having a quality advisor who understands your situation, is knowledgable and connected in the field, and is remotely interested in what you are interesting in researching makes ALL the difference. In your case, I'd evaluate faculty in that order -- you want to look for someone who is clear about your goals and situation and is down with that. Just make sure that MA work is going to count for something (credit/time served -- wise) if you do move on.
Getting a terminal MA at a good program was key for me -- it gave me contacts, discipline, and allowed me to really figure out what I was interested in. It also allowed several of my friends to figure out they were NOT interested in academia and move on to other pursuits. My terminal MA in philosophy took two years going full time. (27 hours of courses and 9 for thesis research -- 36 total). Granted, full time was only 9 credits a semester, but the work load was high.
Phil, if you want to email me at nakiaspope AT gmail DOT com, I'll be happy to help out more.