Modern coding agents expose multiple tool surfaces -- IDE primitives, bash, and Model Context Protocol (MCP) code-execution -- and the field has shipped three contradictory claims about which one matters. We run the missing crossed comparison: an integrity-clean three-arm ablation (baseline / bash_only / code_only) on synthetic computation tasks and SWE-bench Mini modification tasks, holding model, harness, and prompts fixed, with two agents (Claude Code, OpenAI Codex CLI) so the comparison spans both regime and agent-design axes. Across the four resulting (regime, agent) cells, restricting the agent to a single execute_code MCP tool is cheaper than -- or statistically tied with -- its cheapest tool-rich rival in three cells (significantly on Artifact/Claude and SWE-bench/Codex; directionally on Artifact/Codex), with pass rates statistically tied within each cell. The lone exception is SWE-bench/Claude, where code_only is directionally costlier (+14.4%, not significant); a conditional-cost analysis localizes that gap to failure-cost on doomed-run trajectories, not a per-edit tax on successful runs. Two implications: the cheapest tool surface is jointly determined by task regime and agent design rather than by either axis alone, and the headline cost signal lives in cache-adjusted cost -- not pass rate, which is invariant across surfaces at the model sizes we evaluate. The benchmark harness, task suite, and analysis code are available at https://github.com/hyang0129/onlycodes.

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