I wonder how much would be an upgrade from TD145 MKii (or TD150/160/165/166) to Rega Planar 3 or Music Hall MF 5? Having a better cartridge would be a better investment? I've used Grado Gold and AT125LC on my TD145 MKii (with Isotrack TP16 tonearm and TP62 arm wand).
For what's it worth - I went from a TD160 with grado platinum cartridge to a Rega P25 with Dynavector DV 20X H and it was a significant improvement. The improvement left me feeling no need to keep on the upgrade rollercoaster. The Rega/Dynavector is very satisfying and involving combination. The TD160 was correspondingly better than the MMF5 which it replaced.
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