Yes, the only way to set the speed is with the needle in the groove. You are trying to make it perfect for the conditions in which you listen. You don't listen with the stylus on the tonearm mount, do you?
As for MC's having more drag ... I can only surmise that, since most MC's have Shibata or a fine line stylus, they sit lower in the groove than MM's which have more rounded tips. So there is expected to be more drag for MC's. At least that makes sense to me.
As for MC's having more drag ... I can only surmise that, since most MC's have Shibata or a fine line stylus, they sit lower in the groove than MM's which have more rounded tips. So there is expected to be more drag for MC's. At least that makes sense to me.