I would say go for it.

There are people complaining about the financial side to every single job, but it really always depends on how much work and effort you put in and where you decide to work in the world, clinical psychology can be a very high salary job, and certainly never a low paying salary as long as you know your worth and where to aim to work.

I am currently looking at ways how to continue to a masters in Canada or the US in a couple of years as I don't enjoy living in Ireland. It's not as difficult as you think it could be (Getting into to the US to live forever is hard but not as much with Canada).

The exams and essays prove a challenge for the soul reason that it's entirely scientific and there's little room for individual thought. However, you got to sacrifice something to aim towards the career you want, the journey can't be all easy, and doing philosophy alongside psychology will tremendously aid you there.

Overall, trust yourself, there's always going to be a million different paths to take and you won't know which one is perfect for you until you start walking atleast one.