You don't need MCP you just need function calling
Suppose you want your agent to use postgres or git or even file modification. You write your code to use MCP and your backend is already available. It's code you don't have to write.
Why should I be self-hosting ANY local MCP server for accessing an external service?
i.e. I wrote a server for water.gov to pull the river height prediction nearby for the next 24hr. This helps the campground welcome message writing tool craft a better welcome message.
Sure that could be a plain tool call, but why not make it portable into any AI service.