Many modern mono carts have vertical compliance and will Not tear up a stereo record. The Denon 102 is such, and has been out for years. It has two long output pins to hook up your stereo leads (doubled up). The AT 33MONO and MONO3 are inexpensive MC and HOMC if you want to try a relatively inexpensive mono cart w/vert cu. The 33 has 30dB of vertical rejection. All of these have spherical tips between .6 to .7 mil for the 102.
A mono switch is not the same as using a mono cart. Vertical information does not get cancelled, it gets blended. That's why you might get dramatic noise reduction with a beat up mono pressing. It can be startling.
A stereo cart has channel imbalance and phase difference. Things like skating, azimuth, alignment will add to the difference and sound blurry or fuzzy. A mono cart is relatively immune to these differences (depending on vertical rejection) because there is only one output.
Many mono carts have vertical compliance. If you're unsure about a pressing you won't have to worry about destroying your record.
For a more complete explanation:
http://ortofon.com/hifi/products/mono-series