Hi, I lived in DC for four months, and I gotta say that I loved it. However, I lived in the northeast quadrant which is the safest area of DC. You could maybe live closer to the west side and commute? The transit system is really good in DC. However, if you're not all that passionate about Howard, then I would say don't do it. In terms of going for a masters or not, I don't know what to tell you. You should ask your advisors. When meeting people at interviews, a lot of them either had a masters or spent more than a few years after college doing research and lab managing at either their UG institution or some other one. Not many came straight out of UG.