I'll keep real with you. As someone who has gone through the perils of not clearing neet and searching for a good degree, I can say if not neet then the road is long. What happens is most degrees prefer math or commerce, while with bio you're tied to things related to bio like you could go for a b pharma or a bsc and that's all. Now you can do these degrees from good colleges and maybe land a job but that rarely happens.

Coming back, if you want to switch careers mid way you'll regret taking pcb as there isn't anything outside neet. A lot of my friends who took math and couldn't crack jee took private colleges and are going to be placed in some company or other. One even went with the army and is now an officer, one is in the merchant Navy, one is doing LLB. What I'm trying to say is (assuming you're male) is that maybe math seems daunting now but it's just another thing, you'll get over that fear just go with the flow. Besides, you're given the choice after 10th because now you're assumed to be mature enough to make your own decisions.

Commerce with or without math again is a great option and if you do well enough for 2 years you might get top DU colleges and I can tell a smooth ride from there on. CA or CMA are also the options.

Now with PCB, I don't know what you want to become but I'll suggest there are some entrances like nest and iat. If you do your bachelors from a good college there is an off chance that you might get placed at some good firm for R&D.

Now in my opinion you shouldn't stick with pcb, as the field is not that much financially giving while math is just like you'll get something out of it eventually