Another factor to consider is that the .24 mV cartridge may in fact have an output slightly higher than this. Both of my 103R's, spec'd at .25 mV came with data sheets showing testing on the individual cartridges and outputs higher than .25 mV. The one that is closest at hand shows an output on one channel of .31 mV and .32 on the other.
If this is the case with the OP's cartridge it would be an argument for possibly further reducing the gain in the phono stage.
If this is the case with the OP's cartridge it would be an argument for possibly further reducing the gain in the phono stage.