I enjoyed your post and your perspective.
Our advice, concerning education if one felt “called” to the ministry, was for the student to first get a secular degree that he could fall back on and use to support his family in the future, then seek graduate work in theology.
I know several men in the ministry now who used their secular degree in order to allow them to be “tent makers”, like Paul. Especially in church planting, the church often can’t afford to support a pastor until it grows a little, and having a way to earn a living, apart from the pastorate, has helped these men and their churches when they first started.
Our pastor was a real estate agent while he started building our church. He made money and built his church. The church started in his home. Finally, it got big enough to support him financially.