Also, I think there is a fundamental misunderstanding that MCP services are plug and play. They are not. Function names and descriptions are literally prompts so it is almost certain you would need to modify the names or descriptions to add some nuances to how you want these to be called. Since MCP servers are not really meant to be extensible in that sort of way, the only other alternative is to add more context into the prompt which is not easy unless you have a tone of experience. Most of our customers fail at prompting.
The reason I like the ai-plugin.json approach is that you don't have to change the API to make the description of a function a little bit different. One day MCP might support this but it will another layer of complexities that could have been avoided with a remotely hosted JSON / YAML file.