My take….
I had Hana EL and upgraded to ML. Incredible cartridge and it sounds great.
But records are indeed expensive. If you want to have a virtually limitless music library at your disposal and buy a record or two occasionally, spend the money to get a streaming setup. How good and how much to spend on it depends on what your primary source is for serious listening - is it vinyl or streaming.
I ended up selling my entire analog setup to focus on getting my streaming front end as good as I possibly could. I don’t miss playing records.