Very good questions. There is an interesting thread about pay here: http://allnurses.com/forums/f283/hig...ds-174106.html
Beginning novice nurses both ADNs and BSNs basically do the same thing at the bedside when they come out of nursing school
and you're going to find that they make similar salaries, and will continue to do so if you remain at the bedside.
Getting the BSN has advantages beyond the bedside. I'm not sure how old you are but we are never sure where our journey of nursing will lead us. 20 years from now you might not be able or willing to work the bedside or hospital nursing anymore. Besides management, you can get into community health, public/patient safety, quality control, case management, research, drug rep, teaching (experienced BSNs can teach clinical groups, but not teach in the classroom here) just to name a few.