Just to be clear, more than half of IT work nowadays, unless you are a server engineer or database admin, that sort of thing, is dealing with PEOPLE, not computers. You can know all of your stuff but if you can't deal with (stand) people, the job will get really old, really fast.
Your story sounds similar to mine. Been building an troubleshooting systems and OS since my early/mid teens, just as a hobby. Graduated college with three bachelors (BS Bio, BS Microbio, BS History). Looked into Comp Sci while I was there but the first few classes, all required, had me wasting my time being taught the long way to do simple things in Windows and Office...complete waste of my time. Meanwhile, the economy takes a dump and proceeds to bend over most recent graduates even more than usual because now not only is no one hiring, those that are have their choice among the more experience people that were let go for cost reasons. Basically got it from both ends. So I tread water for a year and a half working in an insurance office. It being a smaller operation, most people wore multiple hats. Eventually I ended up doing a sizeable chunk of the IT work in addition or filing duties and mail/supplies. My coworkers as well as others convinced me to start looking at something in the IT field. Since I had no experience besides personal and helping family and friends and I had nothing to show a hiring manager as far as a cert or degree in a relevant field, the going was tough. I got a couple interviews but nothing beyond that despite having some experience beyond personal. Eventually my choice boiled down to going back to school…but for what? As much as a Masters is Bio/Microbio sounds like a good thing, it’s a lot of time, money and work for potentially little to no gain as a Masters in a science field is good but you top out as a middle level researcher unless you go for a doctorate, neither of which sounded appealing at the time. So I enrolled in the local technical school and was able to get AS degrees in Security, Systems Admin and Network Admin in three years and met some cool people in the process. First place I applied out of school, I was interviewed and got the job.
Certs are just pieces of paper, just like degrees. The degree shows, to some extent, that you are willing to go to some effort and some cost to get what you need. A degree and even prior experience is all well and good but each place has different setups and ways of doing things. I still don’t know what’s going on with some things, even things I feel I should because in this sort of field, it’s not often you get a mentor to follow and learn from. Usually they throw you to the wolves with a flimsy stick to try to beat them off. How you respond and manage this will dictate your level of success. There's less worry when you realize and accept that management is incompetent and is probably trying to screw you over if they can.
I went for all three paths so I was able to say that I had my finger in every pie and know something about everything. You show me the details of how you do it and let’s go. At the moment, I’d say the top three things to go for are security, networking (passing the CCNA should pretty much guarantee you a job, but not always, depends on local market) and Linux administration. Having coding and/or web design skills as well are a big plus. If you don’t have a background in any of these fields, then not only does passing the cert exams become much more of a chore, it’s also less effective since you can’t even point to your education as a form of experience.
Most experienced Windows users can pass the A+ exam no problem. Security+ and Network+ are far more difficult and will require additional study outside of an education. I have passed the Wireless+ exam and it’s pretty difficult though that was partly because I was late on deciding and had to cram last minute. Cisco is hard. That said, it makes you learn. The downside is that not everywhere uses (only) Cisco products and that’s basically what the curriculum is. Frankly I found the unit tests easier than some of the packet tracers because the "daily work" often threw you curveballs whereas the tests were fairly comprehensive but rather straightforward. Linux is an interesting one. Building and configuring Linux servers can be difficult but once they are up…set it and forget it. Maintenance is usually a breeze. Frankly I think I’d get bored.
Do what you can to get your foot in the door. Don’t tell people, show them. Demonstrate what you know, what you can do and a willingness to learn and you should be fine. Talk is cheap and while the pieces of paper aren’t, I believe what I see with my own eyes rather than what is effectively hearsay in the form of a cert or degree.