So I figured out I need a real work environment, and I can't work from home.
FWIW, I have a friend who started working from home, and expressed the same concerns as you. To compensate, he did a few things. First he has a general daily schedule that he follows as strictly as he can. This schedule includes two hours in the middle of his work morning, part of which he uses to cook breakfast for his family before they leave for the day. He logs off email, and lets work calls go to voice mail outside these times. He also has a home office. He only uses the office when he is working. Personal time spent using the computer is done outside of his office. Finally, he hangs his company ID around his neck, just like when he is in a company office. It is a visual indicator to let his family know when he is is working. The point of all of this was to create mental and visual barriers between home and work.
For a long time this was significant factor/excuse for not changing the school calendar. While the schools I attended have been retrofitted for A/C since I have left, how many other schools across the nation still need upgrades? For small communities that can be a significant cost. You also have additional costs to run the A/C during the Summer, run your bus fleet longer, pay current teachers more money, and hire additional staff.
I acknowledge that many studies say this is a good thing, but paying for it is a big hurtle. I don't see it happening anytime soon.
That is good advice on the letters of recommendation. Most schools have some kind of an open house. That is going to be a good opportunity for you to ask about their specific requirements. You may find that they have alternatives for people in your situation.
Another option to consider is enrolling in a non-degree status with the school. You might be able to take a few classes, before having to be formally admitted as a degree-seeking student. There are perks to going this route. It allows you to get more familiar with the school, and them with you. The application process shouldn't be very rigorous. After a class or two, you will have some recent academic experience, and a professor willing to write a recommendation letter. My school allowed me to transfer up to 12 credits from non-degree to a degree program, so the time wasn't wasted either.
... if you are learning much in a Masters program after 10 years in the field, you were a crappy developer.
I have to disagree, especially at only 10 years of experience. A good masters program should be exposing you to a variety of development methods, techniques, and theory. Far more that most people with 10, or even 20 years experience could have learned in the course of a normal career. Most programs allow you to tailor your classes to fit your areas of interest or to fill in areas where you are deficient. It is up to you to find the proper balance. If you are not learning, you are doing something wrong, or picked the wrong program.
If all else fails, lower your standards.