Agreed. Unless you have a specific role in mind for a suit, the Fireknife setup is by far the most efficient for the points. It may have less shots than some setups but for the most part it is far more effective in the long run. The fact that it can fire from 24" or more away is a huge bonus considering you don't ever want your suits in h2h.Personally I would never field a suit without a missile pod and a plasma rifle on it.
A suit without a missile pod is a suit that can't kill a vehicle 36" away on the move. Mass suits with missile pods are a far scarier prospect for most vehicles than even your rail guns