RAG gets you answers. Agentic RAG gets you workflows. MCP gets you composable tools that turn your AI into a product surface.
How I decide
- RAG when you need grounded answers with low latency.
- Agentic RAG when the model must plan across multiple steps.
- MCP when multiple services need a consistent, governed tool interface.
The best teams treat each as an architectural layer, not a buzzword. Start simple, validate, then add autonomy when it earns its cost.