In my area the good MSW programs tend to be much more rigorous and highly regarded than any of the MA programs, and it is much much much easier to get a job as an LMSW than as an LMHC. Definitely look into whether anything like that is the case in your part of the country, since this can vary quite a bit by region.

Personally, given the crappy reputation and job outlook that counseling MA programs have near me, I have mostly avoided LMHCs for my own therapy. Other than that, I don't particularly think degree matters tremendously. I have had one excellent therapist with a PsyD, and one absolutely terrible one. Same situation with MDs--one psychiatrist who is an excellent therapist, and one who was awful. A few mediocre LMSWs/LCSWs, and a couple of awful ones. A couple of awful LMHCs. So my experience is that many/most therapists aren't great, and a degree is no guarantee of competence, and sometimes you get lucky!