About the self employment thing: great idea, go with it. If you can, I'd definitely go for it. Go and be someone..)
As for the education, well I'm officially not very educated at all.
I'm what would be called a drop-out.
Yet I have learned a lot of things since then, I'm gradually working my way up at my job and I'm still learning.
But, if I were you, but with my experience
, then I'd go for University.
It's not so much that piece of paper it gets you, but the experience, stimulance, challenge and development of yourself that it offers.
That alone would be enough reason for me to go for University.
Three years seems long, but it's three years well spend, and time doesn't exist anyway..)