To Masters or not to Masters...

If I went to get a Masters in Physics...

+it would only take a year full time
+I could probably get a teaching fellowship and thereby avoid loans/more debt
+I could then teach at community colleges etc.

-it would require taking the GRE, doing a thesis, and other scary things
-it would mean taking a break from my writing career
-I'm not sure whether ultimately I really want to teach physics at small colleges; right now the idea certainly has a lot of appeal...

? I have no idea what qualifications are expected of lecturers at colleges in other countries. And I don't expect to live in the US for the rest of my life. I don't want to go through an entire Masters degree only to find that it is useless when I get to wherever I live next.

SFSU and UC Berkeley are just two of the places I could go to do this. There are options. So... ??? Any thoughts?