Coloradocutter,
Your plight is not uncommon among the 20s/30s set, and several of my friends, myself included, are experiencing similar personal life/career digressions.
Without venturing deeply into your personal affairs of which I have little business knowing more than you posted, it is clear that family means more to you than a bustling business and a high dollar salary.
That said, there's one thing bothering me about what you said, and it's this line, when you stated,
I also don't want to be a researcher - my focus is clinical
First of all, as many posters here will tell you, as I have learned through my own research and from other sources, that the Ph.D is not necessarily a license to spend your days locked away in a laboratory. There are "counseling psychology" track Ph.D programs at several schools in my area alone (Northern California) that, while there is a focus on research, you won't be limited to that as a career choice. You'll merely know how to collect, analyze and parse statistical data.
Don't be frightened away from reputable Ph.D programs solely on the basis of not "wanting to be a researcher". You can most assuredly become a great clinician graduating from a research-oriented school, and I don't think anyone here will disagree about that. Besides, you said yourself that the Ph.D programs are clinically-oriented.
It appears to me as though you're less concerned about research vs. clinical and more concerned with the bottom line, that is, turning your education into dollars. Obviously I don't know how "funded" the Psy.D program you're looking into is, but if you ask me, and you have in a way, that 1 less year you'll spend via the Psy.D program (3+1) is
absolutely not worth uprooting your husband's business and it would be putting undue burden upon your newborn child.
In my approximation, you owe it to yourself, and to your family, to not move them all around tarnation for the reasons of:
1. A year or two less of school and more 'trigger time' in the Psych market
2. Erroneously equating a Ph.D to pigeon-holing you into a "research box".
You could also conduct a comparison of the 3 schools (3+1 Vail, 4+1 Boulder, 5+1 Boulder) and look at their curricula, match rates, etc separately.
you may find that your funded Psy.D program has faculty that do not publish readily and that might not outfit you with the necessary tools to make it in our burgeoning, yet overwhelming, market.
in the military, I learned a phrase that sticks with me even to today, and it goes, "Always choose the hard right over the easy wrong." Even though the Psy.D program is possibly easier to get into, and will produce quicker gratification (4 years compared to 5/6), it may very well be a poor choice for you and your family. All the degrees in the world won't help you if you're not being matched to internships, externships, and other practica.
I hope this helped more than it hurt...
- Tony