Fate vs Destiny

Many people, myself included at one time, consider concepts like Fate and destiny to be interchangeable. When you read their definitions online, you will even find that they include both words to mean the same thing.
Many cultures had similar deities that ruled over a person’s life. You may be familiar with the Norms (Norse/Germanic) Urdr, Verdandi, and Skuld. The Greeks had the Moirai Atropos, Clotho, and Lechesis, and the Romans had their Parcae named Nona, Decima, and Morta. Each of these triads represented a part of the life and death cycle. The past (the beginning of the life), the present (their fate and the measurement of their lifespan), and the future (the moment and manner of the end of that life). This is often represented by the spinning, weaving, and cutting of the thread of life. There are so many more, spanning many cultures (not all are triads); too many to name here, but I think this imagery suits the theme well.
While the interchangeability of these two concepts seems pretty widespread, it is not absolute. I was reading a book on shamanism the other day, and it presented a different perspective. What if they are not the same, or at least not entirely so.
Fate is considered the predetermined inevitable direction and outcome of any situation, including one’s life (as a whole). In order to believe in or accept that something was “fated”, one must first give up the idea of having free will. Accepting that, no matter what, the final outcome was “beyond your control”. This explanation focuses solely on the final destination of the situation or of life.
On the other hand, Destiny, as explained by the shaman* in his book, focuses more on the journey. It encompasses the choices we make and the actions we take to achieve the desired outcome. This definition suggests the existence of free will, and the idea of individual power and sense of purpose.
Given these definitions we can look at these two concepts in a couple of ways. First, that they are two separate theories that involve choosing whether we believe we have free will or not. This could be overall, or on a situational basis. Second, they could be seen as two parts of the same system. That our overall Fate is determined by a “higher power”, but how we get to that fated destination is up to us. It would seem it would all boil down to one’s beliefs in free will.
So, do you see Fate and destiny as the same thing? Do you believe in either Fate or destiny, or a combination of both? Is it situationally dependent? I would love to know.
 
*The shaman and author was Alberto Villoldo.