I think you're missing the parent's point, at least in your first sentence. They said they could just use d3
and crossfilter instead of dc.js (which is exactly what your first example is doing, no dc.js there).
Your second paragraph appears to be the answer to their question, however. dc.js looks like it provides higher level constructs, so you're joining data to a bar chart, not data to a series of rectangles that you need to then make into a bar chart. That's great for people that don't have the time or inclination to learn d3, and since it sounds like you can still get access to the full d3 API, it sounds like it could be useful to people that do know d3, as it would give them good starting points for a bunch of types of graphs that they could then tweak at will.