Chakster, What you say may be true for you and me, but the OP is in need of some basic understanding before getting into the nuances of a 100K ohm load vs a 47K ohm load for MM cartridges. Right now he is fine with 47K as standard. And I must disagree with your statement that external loading plugs are very useful for MM cartridges. First of all because external loading plugs which in effect parallel a second resistance with whatever is the input resistance of the stage, can only lower the net resistance seen by the cartridge. Thus, you cannot achieve 100K ohms or any value higher than 47K ohms by paralleling any value of second resistor with the standard 47K ohm load. True, there are some who like to REDUCE the load resistance below 47K for some very particular cartridges, and this can be done by paralleling, but that is advanced thinking not needed here. In my opinion, the capacity to add an external load resistor in parallel with the primary resistance is by far more relevant to MC phono stages than MM ones.
Right, that's why internal input resistors in my JLTi phono stage are 500k Ohm (special mod i asked for), so i can use parallel 100k RCA plug for my MM.