With respect to Ts' education, I somehow do not find it as important as their experience... Here (not US) people do PhD only if they want to stay in science, so I have PhD (and I really do not think that because of that I am smarter than anyone else) and my exT also had a PhD - and he was a jerk in my very non-objective point of view... My current T has however "only" master degree and she is great and I don't find her "stupid" because of it, she is very experienced in the topic, she publishes papers, goes to conferences and works in the topic for more than 30 years so definitely she knows what she's talking about...