Bob and Dover, but didn’t the OP say in his original post (or OP) that he senses less gain via the 1:10 SUT into his MM input (which provides 42db gain per the owners manual on line) than he gets by using the MC inputs of the same preamplifier, which provides 62db gain, again according to on-line information? Further, he felt that the latter hook-up provides too much gain, which is odd because according to my calculations his 1:10 SUT into 42db MM section gives the same total gain as his MC stage alone (62db in both cases). If he goes to a 1:20 SUT into his MM stage, he will have 68db total phono gain, and he will be feeding 1V into his linestage section, albeit there will be a benefit if he wants to get closer to a 100-ohm load on the cartridge. I guess only the OP can sort this out.
Incidentally, the MM stage in the Cary PH301 is evidently not "standard" in that it provides 42db gain into a 68K load. (See above and above that.) Furthermore, there are MM phono stages that provide anywhere from 39db gain (Ypsilon) up to 45db and even 50db gain. So I don't know how you can standardize on the idea that the Hana ML per se requires a 1:20 SUT.
Incidentally, the MM stage in the Cary PH301 is evidently not "standard" in that it provides 42db gain into a 68K load. (See above and above that.) Furthermore, there are MM phono stages that provide anywhere from 39db gain (Ypsilon) up to 45db and even 50db gain. So I don't know how you can standardize on the idea that the Hana ML per se requires a 1:20 SUT.