I have two masters degrees: one MA in English Lit; one MFA in Creative Writing. I undertook all my postgrad study in the U.S. at top ten institutions and was fully funded with maintenance; without the prestige or the money, I wouldn't have done either, and both were longer (2 then 3 yrs respectively) than UK options, so I had more time to develop my ideas and process what I was learning. After accruing debt for my UK undergraduate degree, I decided I was done paying. I hope to work as both a writer and literary scholar and am moving onto a PhD in Creative Writing this autumn; without both my masters degrees and the years of undergrad teaching experience they afforded me, I feel pretty confident that given the competition for funding and university professorships, that academic career path would not be at all realistic.
In the current climate I would strongly discourage any prospective student who wishes to pay out of pocket for ONE non-vocational postgrad without a good idea of what work they would like it to do for their career. My advice would be to take some time. Travel, perhaps to the countries you've expressed an academic interest in studying, and explore your interests in a less structured environment. Building the discipline required for self-directed learning will stand you in very good stead for any postgraduate work you do in the future. It's a very good sign that you're almost done at Edinburgh and still hungry for more, but there's no need to rush, and you may need some time to debrief post-undergrad. Missteps can happen when you move too fast, and missteps can be expensive (says the one-time law school drop-out). If you take a bit of time and learn what it is about each area of study you really love, or perhaps discover new interests that eclipse older ones, you'll also begin to see where your true passions intersect, and that is the sweet spot of research, the thing that leads to originality and an enjoyable experience. Two masters degrees can indeed be a boon, but only if they are in obvious dialogue and can give you, beyond knowledge and joy, the "edge" in a competitive job market.
It's also possible you may find an employer who can help with the cost of further study, or amazing opportunities abroad that can mitigate some of the financial risk associated with postgraduate degrees. The sad fact is, unless you are independently very wealthy, it's wise to at least consider your degrees as an investment in your professional future. I think the happiest people are quite possibly those who have been able to make their (paid) education do practical work for them in some fashion, those that can connect the dots, as it were.
Really listen to and think on the advice of your careers counsellors and professors, too, even if you decide to go another route. They can be great resources. Good luck with your studies!