You have some interesting leading questions, and not much breadth to your questions. Are these the only ones you have?

The hours question is mostly dependent on field and partly personal preference. One big difference between fields is what kind of call schedule one has, if any. PA's may work less than some demanding MD positions, but more than others. Something you may want to consider is whether or not you are willing to work odd hours, long hours, overnight, and night shifts to obtain and maintain your goal? Being a healthcare provider in general requires commitments that can take one away from family.

If you want to do hands on care, are worried about too many hours, the question is begged, why not nursing?

Malpractice insurance is different depending on the field and work setting. Do you prefer independent work or are you looking to fill a slot in a hospital or large group? It is often tough, but doable to be independent, but if you are okay working for a company they can sometimes help with this financial burden.

Asking if something is almost not worth it suggests that you are highly concerned with financial burden, which is reasonable, but have you considered the burden of school costs? And if liability is an issue, have you reflected on the reality of making decisions that directly affect the person in front of you with potentially disastrous consequences?

Both options have their pros and cons, and as you go forward I would suggest exploring different specialties from both perspectives.

Lastly, having worked on the administrative side for years prior to school, it is a very different beast from medicine, where you still have potential to help people and make a decent salary with a balanced schedule.