Although with the amount of debt that most of the less-/non-competitive Psy.D. programs will saddle you with, the degree honestly might not end up being worth the investment. Particularly when you start considering things like the APA internship match rates at many of these programs.
I do agree that a master's isn't always the best use of your time and resources, though. If research experience is predominanly what you're missing, then looking for RA or lab volunteer gigs would likely work just as well (if not better). The master's can really come into play when your undergrad grades were not very strong and/or if you just want something that'll let you be licensed so that you can get your "feet wet" in the field before committing to doctoral study.
As voyeurofthemind said, though, if you're using the master's as a stepping-stone to a doctoral program, then a research-heavy masters is the way to go.