If one choses to use a loading network and likes the sonic results, that is fine. I have always found that sonically, loading is the worst thing you can do to a transformer and using anything more than the absolute minimum required is relying on a band-aid for a preventable injury.
I said I could hear a difference altering the zobel network, I did not say I liked the sound. I tend to agree with you on loading - either primary or secondary.
I am in the Jonathan Carr camp where I dont believe loading modern moving coil cartridges impacts the cartridge behaviour. Loading a cartridge impacts the following phono stage behaviour - for example poorly designed solid state phono stages with low overload margins at ultra high frequencies.
In selecting transformers for MC’s in my experience it is better to focus on getting the gain into the optimum position for the ensuing phono stage rather than worry about what load the cartridge sees.
I have still sitting in the cupboard - Altec 4629’s, 4722’s, Jensens, FR’s ( ugh ) and an Ortofon. Have previously heard many others. None of them are neutral, they all have their own idiosyncratic sound.
Even optimising the gain structure, moving coils and step up transformers are like a pot luck dinner - you never know what you are going to get until you try it. And they still have the aforementioned phase anomalies across the audio band.
I heard a Zesto vs a NVO phono and the NVO
Yes I’ve heard both. The Zesto is good value for money, the NVO ( all tube, no transformers ) is very good. My only reservation with the NVO is the use of 20+ tubes in it. If 1 goes noisy what a drama finding it. This would drive me nuts ( and I’m a tube guy ).