^^^Good post, Here Today.

Sarah, the actually qualified therapists you've seen are too impersonal for you. The friendlier counselor you are currently seeing is not qualified enough for you. Your choices are limited unless you decide to go back to work and not have to rely on sick pay to live.

Given the two options, which is the better? I realize it is the lesser of two (or three) bad options. Personally, I'd take an actual therapist with some skills, even if it was a therapy modality I wasn't that convinced about, who I might not personally like that much, and work with that therapist for awhile and see if, over time, it might work out better than I initially thought it would. Seems like you have deemed them unsatisfactory fairly quickly; sometimes it takes time. I, personally, wouldn't want to work with a counselor that really isn't a therapist if my mental health issues are serious enough that they are preventing me from working, particularly if her lack of skill in actually working with someone with serious mental health issues is pretty apparent.

It seems like those are your options under your circumstances.