The result of that mismatch would be a frequency response peak probably occurring somewhere in the vicinity of 10 to 15 kHz, followed by a sharp rolloff above that frequency.
Configuring a vinyl front end such that the total load capacitance seen by a cartridge is as low as 100 pf can often be unachievable, and a modestly higher number than that probably won’t make much if any difference. But applying 350 pf or more when 100 pf is recommended strikes me as an issue that should be taken into account in your decision.
I'll mention also that the majority of moving magnet cartridges have load capacitance recommendations significantly higher than 100 pf, and much higher in many cases.
Good luck, however you decide to proceed. Regards,
-- Al