Both solid questions,
And you're right. I'm actually still in school (2nd year) of MSW program, as far as funding goes, its all been covered (undergrad and graduate school) by the VA.
I've just been talking about it with other MSWs/LCSWs in the field and they've considered it, never actually taken the leap towards a PhD/PsyD route and I was wondering if that something people in my profession would do since the MSW is pretty much a terminal degree (but being a LCSW has its perks obviously).