Don't do ED. If your course follows mine, your numbers will largely dictate your acceptances; however, the fact that you have an interesting background will make you much more likely to be offered scholarship money. And, in your late 30's, I'm sure you appreciate how much difference 60,000 or more can make! Particularly when looking towards retirement saving, etc. ED REALLY limits your options. Again- my attitude has been that I want to go to a school that wants me, particularly, and appreciates my unique non-trad-ness (facetious, but true). ED is only useful if you think they may be on the fence about you, and knowing you will come can tip the scales. Coming straight from undergraduate, without a lot to distinguish you from others, this can make sense. Not so much later on...It'll be weird enough being old- I'm willing to defer to a certain extent to the ad-coms' determination if I would be a good fit there.
If you get your stuff in early enough, you will quite possibly hear from schools before most of the ED decisions go out- look at LSN for your schools of interest to get an idea.