VTA and cartridge loading

I've been reading the various threads regarding VTA and how it affects what one hears. My understanding is that as VTA increases (arm is raised), there will be more emphasis on the higher frequencies and as it is decreased (arm is lowered), the lower frequencies will be more emphasized. A quicker, airier sound versus a richer, fuller sound.

Someone also told me that VTA is really an adjustment in the time domain, meaning that it affects how accurately transient information is reproduced. If it is too high, the leading edge becomes shrill and occurs too early in time thus becoming detached from the note's harmonics and if it is too low, the leading edge of a transient occurs too late and gets mixed in with the rest of the note and it becomes a bit muddy and poorly defined.

My understanding of the affects of proper cartridge loading is somewhat similar. That is, the higher the loading, the more life and dynamics one hears. The lower the loading, the fuller, richer the sound becomes.

Are these descriptions accurate and useful? Is there any relationship between VTA and cartridge loading? Which should be set first?