I have thought about Masters programs, but hesitant to add an extra year before a doctoral program since I am already taking a year off. However, if I don't get an RA position, that will probably be the best route. I won't have super strong LORs either, so maybe I should go that route regardless - more research experience and more time to make valuable connections? Also, don't get me wrong, I don't mind doing research, I just don't want to make a life and career out of it.
PsyD was my first interest for graduate school, and I checked out multiple, but I do not think it is worth it to accumulate an incredible amount of debt. I do know there are funded PsyD programs out there, but it seems that they are not much easier to get into than a PhD program - they still are looking for that research experience. I have a decent amount I feel, but I don't think it's "good enough" if I don't have publications.
It is definitely a lot to think about, and thank you for addressing my initial question about specific research interests, as that was a big worry of mine!