Ralph,
Cartridge loading is another hotly contested subject that is best to save for a new discussion. It seems we both agree that applying a load through the secondary of a SUT has a much greater chance of changing the SUT behavior in an audible way than the cartridge behavior.
The inductance question can be answered by looking at SUT behavior when driven from various cartridge impedances. The plot linked below is the 4722 wired 1:18 driven from 2Ω to 100Ω and at 100Ω the -3dB point is ~10Hz which translates to 1.6Hy.
http://www.intactaudio.com/images/SUT%20white%20paper/4722%20cart%20z.pngI chose the 4722 because it is a known device that represents the typical behavior of a microphone transformer pressed into SUT usage. I agree that the top end behavior of this device leave a lot to be desired. When paired with an EMT or a Denon 103 into a 47K load it is -1dB @ 10Hz and 20kHz and has what many call a "vintage" sound. As an aside, Bell Labs did a lot of work on voice transmission and intelligibility and found that linearity in the phase domain was far more important than linearity in the amplitude domain. They considered the range from 600hz to 4Khz the critical range and found that phase shifts creeping down below 4kHz tended to muddle the voice. I agree that the audio bandwidth is much larger than that required for voice but it is interesting to note that the phase shift of the 4722 does creep down into that "sacred area" that Bell Labs found had an impact on intelligibility. I just measured some 900:900 Western Electric repeat transformer that had a specified frequency range of "Voice" and 425Hz-1615Hz was mentioned. When fed from a 50Ω source and left unloaded the -1dB points were 18Hz and 2.4Mhz. I don't think the crazy high top end bandwidth was an accident and the phase stays flat to 100Khz.
http://www.intactaudio.com/forum/files/phase_385.png