MCC used to be enough, so I do NOT Agree.
JOC is the new way of sucking out more money from students pockets, but many airlines demand an MCC JOC Certificate if you want to apply in those companies.
So you NEED an JOC.
You have High End programs with CTC , L3, Simtech, Kura. Those open doors to the better airlines.
There are also cheaper options.
Anyway, once again, in todays time you NEED an JOC in many companies if you want to apply there for a position as FO.