Graduate School... Definitely? Maybe?

I've been thinking about applying for grad school. A post-graduate degree would be helpful I guess, (notwithstanding the feel-good factor :D) but do I really need it? I know I don't want to do an MBA and I also know that I wouldn't want to be stuck in a PhD program slaving away in a lab or writing endless research papers for the next 5 years of my life. So the obvious choice would be going in for a Master's program, preferably in a non-technical field (I've had enough of rowing into Lake Carnegie twice a day to sample dirty water to last me a lifetime :P)

Most universities in the UK offer one-year Masters degrees; in the US and Canada it can take up to 2 years depending on what you study (technical subjects are usually 1-year programs, liberal arts subjects take longer). Since I haven't quite figured out what I want to do with my life (besides saving the world!), I need to pick something sensible to major in so I can keep my options open. Grad school will also mean:

1. A drain on my (limited) finances

2. Moving again (since the universities in AD aren't exactly the greatest)

3. Subsisting on less than 5 hours of sleep, black coffee and instant noodles

4. Wearing sweatshirts, jeans and flipflops (this, I'm happy about :))

Also, the parents have been hinting at the m-word, "Beta, get settled, then you can do whatever you like," except, in my case, I've basically had the freedom to do what I wanted since I left home at seventeen to seek my fortune (with mom and dad's complete support of course). A husband won't be quite as understanding as mom and dad... plus, I'll have to cook nihari :P

So, should I put my life on hold until I "get settled" or go ahead and apply?