What's your end goal? In my case I applied to both masters and PhD programs, thinking that if I didn't get in a PhD, maybe having a masters would make me a stronger candidate. If I did this I would basically be doing a second masters cause the first one wouldn't count for the PhD degree. If your goal is to get a PhD and now you know what you need to get one, then I would take the year and just do as much as possible, like fieldwork, volunteer at museums, attend conferences, etc. Now if you think the masters would also better your chances then that also sounds good, just make sure to do fieldwork over the summer or volunteer work.
Also, I took a year after my BA so as to be sure that grad school was what I wanted. I took some classes (sign language, has to do with my topic) and entered essay competitions, and received an honorable mention, both things I could add to my cv. So time off is not always a waste. It gave me clarity and determination. I don't regret it.