Why not drop the term "rip-off" and all its grammatical variants? It makes you sound too much like that other guy who thinks everything in his audio system is a rip-off. (I won't name names, but you know who I mean.) You could say that buying an expensive cartridge is a "crap shoot", instead. But if you buy a cartridge that "works" as advertised and end up not liking it so much, that is not the definition of a rip-off. That is called a learning experience. I own many cartridges that are not so great compared to other cartridges that I now prefer; it's part of the journey. Just don't make the same mistake twice. And above all, lighten up! This is a fun hobby.
By the way, I did buy my Koetsu Urushi from a brick and mortar store in Tokyo. You will not find Koetsu cartridges, above their base level, in stock at any store in Tokyo, at least not in all the many stores that I have visited. I had to order the cartridge and pay for it, in person, in the presence of my son who speaks fluent Japanese, because the sales personnel usually speak zero English. I then had to wait two weeks for the store to order and receive the Urushi, which my son then had to send to me, because the stores will not ship outside Japan. And the total cost (including air fare and presumably a hotel room), if one were to visit Tokyo solely to buy a cartridge, is not a big savings vs buying the Urushi in the US. (And that's not why I visit Tokyo.) I would agree however that the US distributor does apparently take a big bite.