Correct, the MX250 will work fine it is just an overkill for what you've said you needed. Some people prefer to design there network as you specified by creating the VLANs and DHCP server on the top level switch (router on a stick) and just using the MX for the internet traffic/routing. But I usually only go that route if I have a lot of VLANs. Then I put them on the L3 switch to avoid the MX having to busy itself doing all that internal VLAN routing.
And don't feel bad. I made the same mistake when I first started purchasing switches. I thought I needed a lot more than I ended up using.
EDIT: And yes the setup you explained would work perfectly. Just make sure the MX trunk port and the switch trunk port match. A good practice for this is doing something like Trunk, default VLAN 1, Allowed VLANs 2,3 assuming 2,3 is your voice/data. Obviously, that can be whatever. Then non tagged traffic is not in your used VLANs.
Adam R MS | CISSP, CISM, VCP, MCITP, CCNP, ITILv3, CMNO
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