A quick bit of background on me and my career path:
I started my professional life as sports journalist, before flaming out and taking a job as a call center rep. I eventually moved to being a corporate trainer, then onto internal communications for a major credit card provider, then onto a training designer, then a software engineer, then an interactive digital designer and developer, and finally onto a position as a UX Engineer.
At times in my professional life, I was living out of my 1998 Ford Escort. I've never had any formal education in either development or UX. I'm entirely self-taught.
If someone with as varied a professional, educational, and personal background as my own can make it in the world of UX, anyone can, so long as they meet a couple of requirements (which I'll talk about in a moment).
In my experience, we're in a very interesting phase of the evolving UX industry. Practical experience is valued much more than formal education. If you show that you can do the job, you're much more likely to get considered for the position.
With that in mind, I wouldn't worry so much about formal education. If you believe getting something additional will help you be prepared for the world of UX, then by all means go ahead. Otherwise, I'd start in on trying to get some practical experience.
Your education shows that you learn quickly, that you have the curiosity to continue learning, and have the capability to learn a variety of new skills. I'd think that, overall, your education would be a positive for most employers.
Likely not. The tech world in general, and the world of UX in particular, is constantly evolving. Continuous learning is an absolute must to keep our skills up-to-date.
The big question I could see coming from a potential employer would be whether or not you could show that you were serious and dedicated about pursuing a career in UX. Given your previous career changes, it might be a bit more difficult to convince an employer that you're set on a career in UX.
I would think that getting some practical experience by volunteering with nonprofits, working open-source projects, blogging, and working on your own side projects would be a good start down that road. I'd also be careful to frame my previous experience in terms of how that has helped me come towards the decision to take up UX, and how the experiences you had can be applied towards the position for which you're applying.
Keep this in mind: UX professionals are coming from all walks of life right now. From software developers to architects to housewives, those that are joining the profession and being successful in their endeavors all have two things in common:
1.) They are passionate about solving problems and helping people.
2.) They are tireless in their learning and continuous education.
I'm a firm believer that anyone who can do both of those things can be an excellent UX professional.
If I were you, I'd give it a go.