I went with the MTAC 1x4 and no separate red dot.  For me, the scope was fine without an extra site - even up close.  Very happy with the BDC reticle as well.  I shot a coyote at 500 yards with my 16" AR earlier this fall.  Just picked the right dot and down he went.  The 2+ MOA center dot is not for precision shooting, but works well for the intended purpose.