I'm a little bit of an oddball as I started out applying to MFA programs, only to decide switch to the MA Lit program at my school after the first year. Perhaps it is because of my experiences, but I can't imagine going straight into a PHD program from my BA. I know that some people do a lot of research as undergrads, but I didn't, and when I showed up at grad school I had no idea what kind of work I would eventually want to do (Again, I was dead-set on writing fiction, so things do change). Getting the MA separate from the PhD allows you too avoid too much academic incest - I don't want to only learn from one group of faculty, and I'm not convinced that it would benefit anyone to do so.
You don't mention your research at all. Getting an MA is a good place to not only see if you can "handle" grad school, but also to figure out what subfield you're interested in and what exactly you want to research.
There are plenty of funded MA programs - you just have to dig. I am fully funded. Paying for an advanced degree in the humanities is a BAD idea unless you are independently wealthy.