Palewin,
Thanks for the good update and summary. Yes, cartridge output specs are usually defined for 5 cm/sec groove velocities at 1 kHz, and the RIAA equalization that is utilized on records provides a boost of around 20db at 20 kHz, relative to that 1 kHz reference frequency (and also a cut of about 20 db at 20 Hz). The preamp provides an inverse response curve during playback. 20 db is a factor of 10 in voltage terms, so a cartridge with a 5 mv output at 1 kHz would output 50 mv at 20 kHz, for the same groove velocity. Of course, real-world recordings are unlikely to have that kind of content, at least for any significant amount of time; if they did tweeter meltdowns would be a common occurrence!.
I would think, also, that worst case groove velocities can exceed the 5 cm/sec reference velocity that is the basis for these specs, although I don't know to what degree.
My other comment, which you most probably realize, is that if you make BOTH changes, restrapping the xfmr to 10:1, and also changing the preamp to a 100K input impedance, the cartridge will see a 1K load, which goes too far toward the other extreme.
Enjoy!
-- Al