I didn't say I use it, and I don't, it just happens to be on one of the cards.
MCT is there for the airlines, basically not allowing someone to book a connection where they'll definitely need to be re-accommodated. In the case of same tickets, the airline is still responsible, the insurance just needs to pay out for hotels in the case of an overnight caused by a cause not covered by the airline. With separate tickets, the insurance also needs to cover new airfare, which is an increased liability, hence the increased time requirement. It does suck, but I also get it, since we all pay for the insurance, I'd rather not be paying an increased premium (in one way or another, such as through CC AFs) to cover others airfare as well as hotels.

It's always good to read the fine print of the insurance you have just in case you need it, that extra few minutes could save you a lot of pain down the road.