I find you can get excellent imaging and wonderful sound, new, for below $1k, and I also take chances on used Vintage cartridges, both MC and MM.
I asked advice here years ago, and finally chose a SUT FRT-4 and my 1st MC
It’s my daily driver which I keep on my 12.5" long arm with fixed head. Based on hours played, I sent it to AT, they said worn but still good but suggested I trade it for a new one at half price, I will probably keep doing that, it sounds so good to me (and all my friends) that I didn’t consider anything else.
Very wide separation combined with tight channel balance gives excellent Imaging; it tracks at what I consider heavy at 2.0g, and it needs screws with nuts, I wish it had integral threaded holes.
I encourage acquiring the few inexpensive tools and practice enough so that mounting, aligning, calibrating tonearms/cartridges becomes an accomplished skill, frees you from dependency on others, which opens the door to further options. One tonearm with a removable headshell for a small collection of alternate cartridges (preferably two tonearms which I finally put together age 72).
Once you tie down a terrific phono stage, assuming one darn good cartridge that helps you do that, then you can truly compare alternate cartridges, I try to think ’preferred’ rather than ’better’, or ’alternate’ i.e. if you have 3 that are tough to choose which is best, just enjoy all 3 while dividing the wear.
My short 3rd arm is my best MONO (AT33PTG/II Mono with advanced tip on boron by Steve at VAS) ready to go, also fixed head. I can also use/compare to my Grado Elliptical Mono on my 2nd arm.
My 2nd arm is my removable headshell, easiest tool free VTA on the fly height adjustment (Acos Lustre GST-801) for actively changing pre-mounted cartridges from my small collection which typically are chosen for rare light/stiff cantilever materials, and light tracking, several track at 1.25g. Headshells allowing azimuth adjustment are desirable.
Prior Vintage in rotation: Sumiko Talisman S Sapphire Tube Line Contact ; Shure MM V15Vxmr body with new Jico SAS on Boron, undamped brush up or down; Shure MM 97xe rebuilt by VAS with advanced tip on Boron with Shure’s damped brush up or down; AT440ml MM MicroLine on aluminum; AT14Sa MM shibata on tapered aluminum; ATTR485U MM Shibata.
My latest and greatest used Vintage: AT160ml (on 150e Body) is the lightest/stiffest beryllium cantilever with MicroLine Stylus: combo yields light 1.25g tracking, largest contact surface, longest life, least wear, it’s a win/win/win that sounds closest to real than anything else I own. I just bid and won another on Yahoo auctions using aleado to bid for me because as soon as I fell in love with it, I realized like your post’s subject, it has a life span, and even if some expert tries to put a new tip, the beryllium cantilever might shatter if you look sideways at it.