Hi again, SeekJusticeLoveMercy,
Honestly, I'm not trying to follow you around on the boards, its just that for me you're asking questions that I'm working through as well.
I attempted full-time Seminary Studies several decades ago twice, and both times didn't make it to the end of the first semester. Though in defense of the Seminary I was really hurting from both grief and illness. Even with a Bachelor in Theology under my belt, I felt the courses had little reference (apparently "relevance" is a bad word) to what I thought training for ministry should be. Good ministers teach the Word of God directly, and plainly, and relate what it says to life and faith in such a way that it appears effortless and is constantly meaningful. Yet, 20+ years later I find a lot of those 'irrelevent' subjects and topics popping up in conversation with people I "rub elbows" with.
So, from experience I can say that yes there are benefits from going to Seminary, but as you might have gathered from my response in the Bible College section of Life Stages, the amount of learning necessary is overwhelming, and I don't think a person can truly learn in a detailed way everything in the New or Old Testament in a course of 12 to 14 weeks. But at the same time, the demands of a MDiv are not for everybody, and there are many other graduate options in many Seminaries that are more directly relevant for somebody who wants to learn and teach the Bible.
Also, 1watchman has made a good point (actually many) in that Formal Training is not a pre-requisite to ministry, as all Christians are called to minister as Christ works in them (us) through the Holy Spirit.
Graduate education may be accomplished simply through the joy of learning, yet most people who go into a Master of Divinity program do so to enter into full-time Pastoral Service, or as a stepping stone to teach at Bible Colleges or Seminaries. The MDiv is a "professional degree", and is the standard for ordination in many denominations. As to the question (my wording) does it hurt, maim, brutalize, or "kill" a person's faith, an answer may be "yes" or "no" or "maybe". It is definitely stretching, asking the student to think about topics and ideas that can be completely foreign to what a person is used to in a church Bible Study, but are they actually irrelevant? To be honest, for the thinking Christian, no.
Anyone with Graduate education is expected to know a lot more than a person with an undergraduate degree, and as such the demands are higher. A Pastor is expected to know how to counsel, how to lead, how to serve, how to evangelize, how to disciple, how to guide, how to teach, how to inspire, how to encourage... ad infinitum AND actually do so on a daily basis, as well as devote himself to the study of the Scriptures and Prayer.
Also most Master Degrees require less than 60 credit hours (some a lot less), the MDiv requires 90+. Many Pastors find that they work a minimum of 65 to 70 hours a week (that's almost twice as much as the average week of 37.5 hours most other people work: though many people these days do need a second job).
I'm still not sure if I've answered your question. It just really depends on what you're expecting to get from going to seminary, it can be a wonderful growing experience that will carry you through life, or it can break a person. In general the courses themselves are great, its all the other stuff that tends to work for or against a person.
If you're looking for academic preparation then the MDiv can be great, if your looking for deeper and more meaningful relationships, a closer walk with the Lord, and a fuller understanding of the Scriptures, maybe a graduate certificate or diploma in Biblical Studies and Christian Living. Many Seminaries offer these as well.
If you are interested in the content of Seminary courses, Reformed Theological Seminary has posted an array of their courses on ITunes U (U standing for University), just go to the ITunes Webpage and you can download them all for free.
Again, thanks for your questions, it helps me think through my own stuff as well.
God bless.