The question is if a degree is worth anything to you. If it will help you to get a better job. The answer is always yes, IMO anyway.
You mention a career without a degree and without certifiable skills. IMO, a person does not have a career without a degree or certifiable skills. In such a situation, all a person has is a temporary job for as long as the employer is being nice to you.
Unless you earn a strong college degree, you will still need to obtain certifications. IMO, you might as well work for the certifications. If you wanted the college degree, you would not be asking about the difference between a degree or certifications. You would just do it.
Go visit a community college career counselor at a place that also provides the tech schooling for certifications and ask them for help. That will get you off your butt and into school. Once you see the girls walking down the halls, you will be ready to sign up for your classes.
The military is also a strong option, if it suits your interests. I did it and so have many others. Military benefits often pay for school. Check with your community college's financial aid office to ask about state benefits for returning veterans.