I think it comes down to what YOU can afford, what YOU consider a major difference and is it worth the cost?.
My first TT was a record changer with a ceramic cartridge. I made a brush which I taped to the end of the arm and it made what I considered to be at that time a major difference. The brush seemed to hold the cartridge which had more high frequency, air. Eventually I ended up with a Sota, separate arm MC cartridge which costed $3,5000.00 in 1992 dollars.
The improvements I believe were less major but the total increments although slight are wonderful, in imaging. So in the end you'll end up living with it.
Also all the eventual choices and decisions in choices of turntables, arms, cartridges. cables, ect. ect. good luck make it fun and be happy with YOUR decisions!