I occasionally get asked the "should I do a PhD?" question. And I'll tell you what I tell everybody else: if you wanted it enough, you wouldn't be asking that question.
There's only one right reason to do a PhD, and that's because you really really really want to do a PhD in some particular subject. I did one in physics because I really really really wanted to, and I have never once regretted that decision.
So for you I think the answer is no. If at some later stage in your life you decide you really _do_ want one, you can always go back.
If you really _did_ want to do one, the question I would be asking is this: why would you want to do it in the US instead of the UK? You can usually save at least two years by doing it outside the US, and the UK has some very good universities (well, at least two of 'em).
There's only one right reason to do a PhD, and that's because you really really really want to do a PhD in some particular subject. I did one in physics because I really really really wanted to, and I have never once regretted that decision.
So for you I think the answer is no. If at some later stage in your life you decide you really _do_ want one, you can always go back.
If you really _did_ want to do one, the question I would be asking is this: why would you want to do it in the US instead of the UK? You can usually save at least two years by doing it outside the US, and the UK has some very good universities (well, at least two of 'em).