Best to get a microscope, but it takes some time getting used to. I bought a Dino-Lite AM4515zt on Ebay for $250. I still can't take the really nice high resolution pictures like some of the ads here on Agon, but its good enough for me to see the wear - more practice required, I guess. When you send in the cart for an inspection, with shipping/insurance, costs can add up. Also, some may not send you a magnified image and you'll just have to take their word for it - not worth it IMO.
Ortofon does very little for you. When I was having issues with my Anna cartridge, they basically said the same thing where a trade-in was the only option. A bunch of wahoos, if you ask me.