Is Psych/MHNP or FNP worth it? *can't decide!*

I'm at a pivotal point in my education this semester. Wondering if I should switch paths from FNP to Psych/MHNP.
Torn between the two and it's driving me crazy! Here's my list of pros and cons for each. Tell me what you think...

Psych
Pros-
Slower pace, more time for patient care
I heard they make around 100K starting
Ideally I'd want to work in outpatient clinic setting
Most psych NP's(I've heard) are only responsible for med management so it's less stressful
Hours aren't too crazy, no on-calls
Not much competition (not many psych PA's out there)

Cons:
Not much room for growth of skills
Not sure if there's a big need for them
Might get emotionally burnt out listening counseling psych patients


FNP
Pros:
Can work almost anywhere
Pay is decent(I'm going to ballpark estimate about 80K)
Might be able to even work in psych (but not sure if that's true??)
there will be a continued need for FNPs with healthcare reform
Lots of knowledge about disease processes
Cons
Long hours and probably on calls
More age groups to work with--higher chance of getting sued
Lower pay (I am taking this into consideration b/c I'm a student with lots of loans and also have elderly parents to take care of)