Health insurance varies by employeer - I wouldn't assume that RNs always pay for insurance and RTs don't....
I wouldn't use a sample of your supervisors friend who makes 75k as a factor for wage comparison... you need a larger sample and to understand the at certain times in certain areas demands sways back and forth for every job.. sooo another statement I wouldn't base decision on.
I personally think that the ADN offers the better turn around for Money+time = career and future possibility. I believe getting the ADN enables you to have multiple future career options... while working get your BSN through your hospital or via online... plenty of options after that... CRNA, PA, NP, MBA, etc etc..
what options do RTs have in comparison?
Aside from that - you should have an idea of which job you feel you would enjoy and therefore will likely do better at due to a vested interest.......
Lastly this is a nursing forum - so i've already made my opinion heard based on the 400 some odd posts and countless hours of trolling that I partake in
Best of luck on your decision.. don't let a single person throw you off track - but if you are that uncertain of your goals perhaps take some time and make sure you actually want this.