JAD is not necessary, but recommended for the following reasons.
1. If you install jut the JAR file, then the app will be treated as 'untrusted' (read security in J2ME for more details).
2. The minimum requirement to make an app 'trusted' is to have a JAD file. A trusted app, much like a trusted
applet, has more access.
3. As you mentioned, you can also mention more parameters in the JAD file that would help the device be better prepared for the app.
I have a Sony T610 and I always send only the JAR file (can't even seem to get the JAD file installed!)