You’re correct in that importing directly from memory cards is much faster and easier than using a capture card.
Capture cards become more useful when you have to deal with multiple formats and format conversion. Cards like the AJA Kona 3 can upconvert, downconvert and cross-convert footage in realtime, and with better quality than software conversion. They can also add 3:2 pulldown to 24p video that’s being output to interlaced formats (NTSC-SD, HD 1080i60), and they have the ability to do a live key over video – useful for adding bugs (logos) and such. If you don’t foresee the need for those capabilities, then a capture card really just becomes a way to monitor your video.
If you’re monitoring video over a deck via Firewire, be aware that you are probably not seeing correct black level, unless you have a fairly expensive deck. Lower end decks (Sony DSR-45, DSR-11, etc.) output a 0 IRE black level, not the 7.5 IRE level required by US-NTSC. This results in blacks being too dark. If you are using an NTSC monitor and you don’t correct the 0 IRE signal with a proc amp, you aren’t getting an accurate preview of your video. This often results in people being perplexed as to why their DVDs appear lighter than what they see in their NLE.
Details here:
https://www.signvideo.com/dv-black-levels-dvd-authoring-mpeg-2-part-1.htm
Also keep in mind that you won’t be able to monitor HD over Firewire through a deck unless it’s an HDV deck. Even then, format support won’t be as broad as though a capture card. Additionally, Apple Color does not support video preview via Firewire, only through approved capture cards (AJA Kona, Blackmagic Decklink, etc.).