To give you one straight answer ,No a jack plate is not a necessary item on a boat but this is my long winded version and some of it was taken from a fellow that is real knowledgeable about their uses.
Firsts as a rule of thumb I've used my own formula over the years and its worked fine for me . Put the boat on a level drive way and use a 4' carpenter level on the rear of the center pad near the transom, level exactly the boat center pad with the trailer tongue jack. Next remove the prop and use a torpedo level on the prop shaft , use the trim to get the shaft perfectly level. Take a RIDGE straight edge and lay along the rear 2 to 3 feet of the pad perfectly flat and let the straight edge protrude beyond the pad to the gear case. Calculate using the exact center of the drive shaft to establish how much you are truly above or below that pad bottom in correlation with the pad verses the center of the prop shaft. This is called in the racing world inches or tenths of inches on VEE bottoms high or low from "split shaft" this is where that dimension or plane strikes or runs from the exact flat bottom to the exact center of the shaft. If the center of the shaft is 1" above that plane your rig is 1" above split shaft and so on. In the THEORY I've used ( and this is a primitive starting point ) for Evey one inch your jack plate is in length you can raise the gear case up 1/8 the of an inch from exact split shaft and still remain in "clean" "hard" water.. If your engine is bolted directly to the transom I suggest no higher than exact split shaft high ..Example if a jack plate is 8 inches long ( dimension from the boat transom to where the motor bolts on to the other side of the jack plate ) you can in theory go up 8 - 8ths of a inch or 1 "..All boats are different and have their own sweet spots , alot has to do with the particular hull and or overall rig your working with. Raising a High Performance Engine ( or any engine as for as that goes ) with a low water pick up on the lower unit ( which is a must , if this is not a low water pick uped lower unit the engine being jacked will quickly run out of engine cooling water pressure and engine will be damaged BEFORE the optimal speed and handling can be achieved ) jacking to optimal and is the only way to get your ring to its ultimate potential and to handle to an optimal set up . Dialing in these boats,motors, gear cases, and props combos are a trial and error game and must be done in small increments and the results of each change needs to be recorded for future movements and to see what helped and what hurt...