Honestly, I think that your reason #5 is the only justifiable one of the lot, and since it is very much a vanity reason, necessarily you have to chose based on what you can afford.
Reasons #1 and #2 are very important, and things you should remain focused on, but they are NOT things that require a master’s degree. Earnest self-study (perhaps guided by a spiritual director, if you can find one), informed by your BA, will get you every bit as much benefit on these goals as a postgraduate degree, probably more.
Reason #3 would only hold any weight if having an MA in Theology actually would help get you a job as a teacher. And, I suppose one must admit, it wouldn’t hurt. But landing a teaching post with no experience isn’t easy, and unless you have a clear “in” that will get you a job if only you have a master’s, I don’t see a degree actually helping you. Maybe if you were able to network and establish the right contacts in the course of your time as a student, it would, but there is no opportunity for those kinds of advantage in an online degree.
#4 is definitely untrue. You improve your job opportunities by grit, by finding a job and showing that you can do it. Added degrees may lower the defenses of some (but by no means all) recruiters, but at the end of the day experience is far more important than education, and I have frequently seen people in my career with more degrees earning less than those with fewer. And seeming ‘overeducated’ can reduce your employability.
So it’s down to reason #5, which I think has more value than you give it credit for. If having a postgraduate degree is important to you personally, if it’s how you conceive of who you are or who you ought to be, then you should pursue one. But I encourage you to think of it more as an end in itself than as a means to something: in my experience degrees very rarely open doors to employment the way their marketing says they will (and I have some very high-powered degrees).
In my opinion, then, you should view further degrees as luxury items. You’re not about summer cottages or sports cars or foreign vacations, you’re about education–good for you! But build your budget the same way you would if you were saving for any of those. Maybe that means an online degree right away; maybe that means saving and working towards a more prestigious degree at a Notre Dame or Georgetown. Decide what you want, based on what you can afford (the online experience is less than the on-campus experience, but may well be worth the difference, for your budget), and live for yourself a life worth living!