I am a mathematics undergrad looking at applying for PhD programs in the coming fall. Due to a combination of AP credit, dual enrollment, and high courseloads every semester, I am on track to graduate within two years instead of the regular four. While this definitely benefits me in certain ways (especially financially), I worry that this could also be a big issue for me when applying for programs. I feel that due to my short undergrad, I have not been able to get very much done yet since I have had so little time in my undergrad, which I think will lead to me having worse letters of recommendation and less research experience than other applicants. In addition, I am not entirely sure which field of study I want to get a PhD in - my research so far has been mostly in the fields of computational biology and mathematical biology, but I am not entirely sure that those are the fields that I want to spend the next half decade of my life working on, so I am also considering applied mathematics.
As such, I have two main questions:
Should I expect my accelerated undergrad to be something that will be harmful towards the competitiveness of my PhD applications? beneficial? neutral?
My university offers a one-year master's program in mathematics that I could also do. Would it be worth it to get a master's this way before going into a PhD to get more research experience and to get more experience with different fields of research?