But if the cartridge can't be moved inside the shell, or it's a SPU type of cartridge, how can one get both the pivot-to-spindle distance and overhang right?
You can't. Any parameter you cannot adjust forces you to rely on the accuracy of the manufacturer(s).
There are no high end cartridges with SPU mounts AFAIK. Plug and play rigs are for users not interested in optimizing the performance of their systems. That's a perfectly valid approach of course. Different strokes and all that.
There is one high end tonearm (SME) which does not allow adjustment of the cartridge in the headshell. SME does include a sliding base that adjusts overhang by changing the spindle-to-pivot distance. This still assumes a perfectly square cantilever, which is a bit optimistic IME. Some SME owners actually drill out their headshell mounting holes to give themselves some play.
Sometimes you have to move the whole tonearm, but that would be a violation to the rule that for each arm there is one optimal pivot-to-spindle distance.
There is no such rule. Where did you hear that?