There is no requirement to take a JOC- the MCC yes.
JOC is just a money making scheme for the FTO's.
Airlines only require the MCC.
The majority of graduates wont get the hands on a jet until a few hundred hours down the line,unless they have been airline sponsored or paying for a type rating.
After the MCC I personally would do the Flying instructors course, then if I had a few grand to throw away (unlikely!!) would I think about doing a JOC (unlikely too, unless it became a requirement.)
Thats my opinion.