Dhcod, this is no game; if you are a music lover it is essential that you get as much as possible out of each and every time you play a record.
Since this is for the long haul, go to the max on your budget. The Clearaudio Maestro V2 Ebony sounds like a good start.
Cartridges are not an investment, they are for your supreme audio pleasure; bonds and stocks are for investment.