In my experience, these are the ways my hotend would jam:
1. if the retraction setting was too high, the filament would solidify thickly at the top of the hotend (like a mushroom) between the ptfe tube and the passage in the hotend
2. The hotend got too hot and burned the filament in the nozzle or in the hotend
3. Too much filament got clumped and stuck on the bottom, exterior of the nozzle.
Whenever I have a jam, I first recommend the "cold pull" method
http://bukobot.com/nozzle-cleaning. If you see the mushroom about 4 inches from the end, snip the filament above that and lower your retraction setting. You should still see the mushroom if you're unsuccessful in pulling out the entire filament out of the hotend.
If there's no mushroom and the cold pull didn't pull out the entire filament in the hotrend, take out the nozzle with the hotend hot. Carefully release the x and y arms from the hotend mount and look inside the hotend. Does the filament look black and charred? If so, straighten a paperclip (I use a piece of welding rod from my welding days) and poke it through the top, forcing the charred filament out the bottom. If it doesn't budge, stir the char from the bottom with the paperclip and try again. Note be careful not to scratch the inside of the hotend or threads when doing this!
If you're still convinced it's the nozzle, try using a spare nozzle to test your hypothesis. To clean, soak it in the acetone for a few hours, shake it in the acetone (you can use tweezers if you're afraid of using your hands) and lightly brush its exterior with a small brass brush (they sell them cheap at any hardware store), avoid brushing the tip too hard. Then let it soak a little longer in the acetone and swish it around again. Prusa hands out acupuncture needles for nozzle cleaning, I wouldn't know where to get one retail. But even then, it's never really helped me. GL
My prusa with a direct drive can retract more than my Rostock without jamming. But as long as I don't retract to much on the rostock, it can print just as well.