[welliman]

The decisions you are trying to make seem to be based more off of anxiety and/or fear rather than a passion for what you want to be doing with your life. Try to find out what you would enjoy doing with your current skillset and spend some time figuring out a way to make that happen. A MSc in CS opens doors to many industries as well academia, so you have tons of options to choose from.

You probably won't regret spending the next few years of your life doing something that you think is interesting. There is, however, a chance that you will regret spending the next few years worrying about if your future self will regret those years.