If I were to make an opinion out of whatever you have said in this post, I will say go for B without further thought :)
Reasons: 1) A one year industry job is hardly helpful as an experience anywhere, let alone for a prospective PhD. There is another question on this forum analysing the worth of job before PhD.
- You have said you are not too much into money and also love frugally. Bravo, you are tailor-made for the academia! You could surely earn more in the one year after PhD, and ensure you begin graduate coursework at the earliest.