What I experienced always is that at 100 ohms quality level cartridge performance is always betterIf your phono section has RFI sensitivity what you state above will be the case as I’ve maintained also on these threads.
With regards to the load impedance affecting the cartridge, of course this happens. Moving coil cartridges work on the same principle as a loudspeaker; now think about a kid’s walkie-talkie that has the speaker also double as a microphone. In other words, the speaker can be driven by energy or it can make energy, because it is a **transducer**, and with any transducer motion is converted to electrical energy and vice-versa.
You can test this easily enough- remove the grill from your speaker and see how easy it is to move the woofer if nothing is attached to the speaker terminals. Then short out the speaker terminals and see how easy the woofer is to move then! With a cartridge its no different- the more you load it down (lower resistance loading resistor) the more work it will have to do and so the cantilever will be harder to move. Since this is also the idea of ’damping’ we can easily infer that mechanical damping of the cartridge will occur if the load impedance is reduced.
Anyone schooled in the electrical arts will understand this immediately; and thus also that high frequency output of the cartridge will be reduced as the cantilever is made to do more work. If this is not readily apparently please do more study of electrical theory.
Now there is one exception with regards to the input impedance of the phono circuit- the load impedance must be connected to the cartridge in such a way that it causes it to do more *work*. If the cartridge is not doing any work then it will be unaffected. Now refer to the article at this link previously given:
http://phonoclone.com/diy-pho4.html
We can see that the cartridge is actually being loaded by the input of the opamp; which if measured will be found to be quite high (most modern opamps are FET input). The idea is to replace the input resistor with the cartridge itself- so that the virtual ground (present in any opamp circuit) is the output of the cartridge itself. In this circuit the cartridge isn’t doing the sort of work as it would be if the cartridge were presented with an actual 0 ohms impedance!! IOW, zero ohms and *virtual ground* are not exactly the same thing! I refer you to OPAMP theory 101 as to why. As a hint, the closer the gain of the opamp is in open loop to infinity, the more the virtual ground will behave as it it is zero ohms **as far as the opamp is concerned**. This is more of a control theory thing which is far more text than I have time to put here, especially since you’ll need an EE degree to follow along. Just take it for now that a virtual ground isn’t the same thing as actual ground or zero ohms! If it were, no amplification could occur!