torn between doing an MA or BA in Philosophy

Well, in all seriousness (sorry if this sounds harsh), neither one will do much to further your career. Hence you might do better to go with whichever one costs you less and takes less time.

You don't need to be in a full-blown academic setting in order to study Philosophy. You could audit a class to start if you like, and just plain start reading. But unless you want to change your career, and you want to change it to being a Philosophy professor, there really is no need for another degree.

Now, if you want to change careers but you want humanities in your degree because you want to expand your horizons or perhaps be a better communicator in your job, I would still suggest auditing something humanities-ish so you can get used to the sometimes frenetic pace of read-write report-take essay test or present report lather, rinse, repeat which a degree in the humanities can be like.

And consider a few options. There are easier ways of getting humanities into your education, and there are less expensive ones as well.

And I say this as a person with a BA in Philosophy. It was lovely to study but, ultimately, I could have gotten my bachelor's in English or History or Communications or the like.