Kudos to you for seeking all of the input you can get. Decisions like these are impossible and inevitable. The worst thing you can do is think that there is a "right" and a "wrong." There are only choices.
I could have gone to several different colleges to pursue a tuba degree. I chose one. I then could have gone to get an advanced music degree. But I chose to go to law school. I could have gone to several different law schools. I chose one.
Along the way, I made a lot of smaller decisions.
Out of any of those decisions, there were no right or wrong. There were financial, social, career, geographic, and lifestyle factors to weigh.
I can tell you one thing: If you had told 18 year old me that I would be living in New Hampshire as a lawyer playing tuba for fun, studying the lute, and watching Peg +Cat with my 3yo daughter I would have laughed you out of the room.
The only thing you can do, when faced with a choice of two options, is do what you are doing now: Get anecdotal advice, get expert advice, spend a lot of time thinking, and make the best decision for you now. You don't know what is going to happen a year from now, nor can you control it. But you can make yourself who you want to be a year from now.
A few guidelines I use in these situations:
1. There are no substitutes for sound financial decisions. But you drive a Honda, so you already know that
2. Sound financial decision sometimes mean investing in yourself and your passion (i.e., the sole point of money is not to hoard it)
3. To be a successful tuba player, you need to be a good tuba player. That takes practice. While pursuing a performance degree builds hours a day in that you can devote to the tuba, there are other ways to find those hours. BM, MM, and DMA are just letters. They aren't magic. (Unless you want to be a professor. Then the letters ARE magic).
4. There are ways to have a satisfying musical life outside of it being your sole source of income.
5. Every path has stressors. That doesn't mean you made a bad choice.
6. Every single person on this board sometimes wishes they had nothing to do all day but play tuba. Personally, I also alternately wish I had nothing to do all day but play lute, travel, play with my leaf blower, cook, spend time with my family, and go to baseball games. That's what passion looks like. But life takes balance.
7. Don't let people live their life through you. People who wish they had done something differently will tell you to make that choice. It may not be right for you.