You say "a very simple API baked into the model's existing context is even better". So we agree? MCP's design actively discourages that better path.
"Agents are good at writing API requests, but not so good at knowing why, when, or what to use". This is exactly what progressive discovery solves. A good CLI has --help. A good API has introspection. MCP's answer is "dump all the tool schemas into context and let the model figure it out," which is O(N) context cost at all times vs O(1) until you actually need something.
"It's just a standard way to make plugins" The plugin pattern of "here are 47 tool descriptions, good luck" is exactly the worse-is-better tradeoff I'm describing. Easy to wire up, expensive at runtime, and it gets worse as you add more servers.
The NJ/MIT analogy isn't about complexity, it's about where the design effort goes. MCP puts the effort into easy integration. A well-designed API puts the effort into efficient discovery. One scales, the other doesn't.