||I'm not sure this is the right forum table to ask this question..
I guess the answer depends a lot on what you want to do afterwards. If you don't know yet, well you may as well try and get a Master's Degree, that's only 2 years :-)
The logic "I like studying, and I'm not sure what job I want, so let's be a student one more year" worked for me very well until the Master's degree. This even made me start a PhD, and althought I enjoyed it (at least the first 2 years), I wouldn't recommend to anyone to apply such a blind logic in starting a PhD.
At least, read http://www.phdcomics.com/ first :-)
And sorry for the off-topic