To me, this is whether you have good people around or not. PhD usually comes with good advisers who help you think in different ways than you have done before.

To me, this is whether you have good people around or not. PhD usually comes with good advisers who help you think in different ways than you have done before. However, such good advisers can be also at a company + you work on practical an modern problems (usually). For that you don't need PhD. In any case, once you ask whether you should do PhD or not it feels like you don't want to be left out. In that case, just do it.