One more vote for industry. Unless you want to go the research route for your full career, a PhD just really doesn’t seem worth it. It’s years and years that won’t translate to a significantly higher earning potential. Plus, what if the industry market changes by the time you get out of the PhD? You can always go back to it, as mentioned.
If I may read into things a bit, it sounds like you don’t really want to leave school a ton - is that accurate and if so why not?