From answers to my original questions, it seems like finding a SUT with 1:10 and 1:20 options might be best since it sounds like there's been success with both and either should work with various configurations on my phono pre-amp.
@mmcgill829 We have used SUTs in our preamps (I prefer direct FWIW) but one thing we noticed was the less gain you try to get from the SUT the better. So if it does have reconfigurable stepup (like the Jensen JT-346, which is an excellent SUT, one of the best), use the least amount that will get you enough gain. Its Ok if you have to run the volume up on your line stage a bit; as long as the noise floor of the phono section overall is less than that of the silent grooves of a good quality LP, you're good to go. IOW 1:10 is better than 1:20.