I agree, MS Flight Simulator has become so good that it's really not necessary to spend any more money on a more expensive program. The biggest benefit to those sims in my opinion is in procedures training. If you set up and fly approaches and maneuvers using the exact procedures that you would use in your real life flying, you'll get a lot of good practice from the program. By the same token, I haven't really even seen any benefit to getting one of those yokes or throttle quadrants- they just aren't realistic enough to have much positive transfer of knowledge. A simple joystick which will allow you to control the airplane through the procedure is all you really need. Practice the procedures and take them to the airplane to really cement that knowledge into practical skill. Good luck!
-Milehigh