Congrats on BU! Boston is a great city! I'm with you on trying to balance the $ with my interests. It's a tough path!
I don't have any other offers- I applied to HDS and Yale but didn't get in! I didn't apply to very many schools, and I come with some academic baggage from years past. I'm beyond thrilled to have gotten into Chicago.
I also have been reaching out to family, my current Professors/TA's and some friends at div schools. None have straight up said "don't do it!"- though, I did have a relatively recent HDS alum tell me it's pretty indulgent to go to div school. I was like uhhhhhh, I don't think that's what you're supposed to say haha! Most of them have said that the job market is hard and that they aren't sure that it did much for them, but they would probably do the same thing again- "the stuff I learned and the people I met were worth it etc."
As far as a PhD is concerned: I'm not that interested. I'm not crossing it off, but it seems incredibly hard especially for women at top schools. I know a few women in ivy PhD programs and they have all said they wouldn't do it if they had been more aware of the environment that they were getting into initially. It has kind of scared me. Also, I would be like late 30's by the time I was done!