I am a therapist and it is the most important thing in my life. I am (almost) never bored, and I have never regretted my career. I work for a non-profit, and help people some of whom could not get help otherwise. No matter how depressed I get sometimes about other parts of my life, I feel good about helping people. And I am always learning. Also everyone "knows" therapists are weird, so there is leeway to be gender variant.
As to whether MFT or Social Work, I think it is more important which school feels better to you, and which gives you a better financial deal. At least in California, the coursework is similar for both degrees. My masters is actually in Clinical Psychology, from Nebraska. In LA there are several schools, and each has a different "character" or "atmosphere." Having life experience as you do can help support your being a better therapist - more understanding, less naive.
Good luck!