It depends on your situation in life.
As my studies were coming to an end a few things happened.
I had the opportunity head down the PhD path, my partner became pregnant and 3 different government departments offered me a position in their graduate programs.
I needed to pay for a family so I went to work and never studied formally again. I would really enjoy completing a PhD but it wasn’t to be.
If you enjoy study, don’t mind student income and you’re confident you’ll be employable at the end, stay at university.