I think what 2for1 is getting at is probably at the heart of why this is ever debated.
Some believe MCC members should buy MFC memberships regardless, some MCC members don't see the point.
I'm a student who is also a member of the future fund, have also donated money etc. and buy at least one club jumper a year (I'm a sucker) on top of the membership. I view my membership as a donation, but one I get the least satisfaction out of.
Obviously for those who aren't MCC members, the MFC membership gets them into games. Aside from games at the Dome, I've never had to use my MFC membership.
I think that memberships are important from outside perspective and possibly chances at sponsorship, hence why I buy a membership.
But, in terms of helping the club financially, I'd much rather buy a jumper each yeah than a membership if the club benefited equally from it.