I faced a similar decision, and I went with App Dev, beacuse I thought I could probably work from anywhere and make good money.

Twenty years later, I'm working exactly where I please, fully remote, and making good money.

No regrets.

I also added a Cybersecurity specialization, beacuse the $$$ is nice.

Pitfalls

The biggest pitfall breaking into the programming field is relying on a (basically blank) resume to get the first job.

Do an internship, join a study group and a club or two. Spend more time socializing than working, at both. (But do good work, too.)

It's your network that gets the first job.

When should I specialize?

The ideal way to specialize is on an employer's dime, for two reasons:

1. If someone is willing to pay to train you, it'll be something there's real demand for.
2. Learning a specialization is best done when you can test what you learn right away, on the job.

Crazy for doing it later?

As someone who hires programmers, 3/4 of my top people did something else with their career first, (two have substantial retail experience) and it's an asset to their contribution as a programmer.

You're thirty and used to the grind - I think it'd be reasonable to try and pursue a double major. Examine the costs and expected benefit but, at EOD, your degree isn't going to make a huge difference in hiring or proficiency... outside of your first job without prior experience.

So my honest answer is that, in terms of financial motivations I'd suggest no degree at all, otherwise try and maximize the paper credentials you get for your money.

I'd recommend going for the app dev. I always knew I will be workig in gamedev, but choose my bachelors degree in general software engineering, and only went for Masters in gamedev.

I've been out of school for around 5 years now, and I'm really glad I chose SWE instead of anything more specialized - because it has given me the broadest outlook on IT as possible, from documentation best practices, through UMLs, to various obscure languages from Smalltalk through Lisp, assembly and Prolog to C, Java and C#, while also having some optional classes focused on cybersecurity or AI.

Most of what I've learned, I don't really remmeber or use daily - but, the information has somewhat stuck with me, and I can quickly recall the general concept every time I enounter a similar problem, which makes research a lot faster. If I need to write something in a language that's not my main focus, I can be certain that no matter how unknown, I've already worked in something with similar concepts. And that makes it so much easier to quickly understand syntax and start writing code.

I can't imagine how difficult it would be for me to grasp how the hell is something like Prolog supposed to work, but having to sit through classes on it that I barely remember has left me with a vague recollection of what's the purpose, so if I encounter anything similar, I can just pick it up almost immediately. And this goes for most of styles of languages or problems - I've already dealt with something similar.

Not to mention that while UML diagrams and general documentation practices may sound pretty boring (and they are), I've already encountered situations where the diagram was integral to understanding what are the docs going for - and I was able to get it instead of having to figure it out by myself, because I've already worked with them at school.

Also, having options is nice - After the school, I went to work in Cybersec, even though I had only like one optional class on the topic, and I can see how much it has helped me having a borad overview in comparison to colleagues who didn't have it. I can write scripts in whatever we encounter, I have a deeper understanding of how other developers write code, what could be wrong, and have a better educated quess at how exactly does the stack we're black-box testing works. And looking up the more specialized cybersec knowledge is way easier, than researching a stack of technologies I've never seen or work with in my life. And that's where the broader degree has helped me the most with.

Also, you can probably enroll into optional classes that are outside of your field of study, which I really recommend - I was doing that a lot during my studies, and it were the most memorable and usefull lectures I've had.