Yep! You're correct!

All kidding aside...

Of course you'd prefer to have a MTB for utility purposes, as opposed to a road bike!

A MTB is perfect, especially if you're car free. A hardtail MTB can be your commuter, your utility bike, and your recreational bike all in one. The hardtail MTB is the most versatlie bike on the planet. If you'd prefer to race or credit card tour, then the road bike is your choice. However, if you're not touring, racing in the crits, or long distance commuting, then a hybrid, or a hardtail MTB are your most likely candidates. That's especially so, if you're transporting gear, delivering valuables, or carrying work supplies.

Tell the bike store guy to walk the plank!