Which Cartridge/TT to buy - Ortofon MM Black, Rega Exact, Rega Ania?

I agree with @deadhead1000

My suggestion is you go to a local dealer and get their advice as well as have them set up your turntable if it is your first turntable. If possible watch the setup so you can rebalance the tonearm, etc yourself if you need to do that.

Then take your new turntable home and play some records!

Also this thread may be something you want to read

https://forum.audiogon.com/discussions/new-cartridge-500-range

I have a Rega Planar 6 with the Ania MC, using a Luxman Integrated (so it's somewhat similar in sound to your Yamaha.) It's a very nice match up and you are in the right ballpark. I had bookshelf KEF's and really enjoyed them, but I would say they were a bit bright. The trouble is, others will respond and say they aren't.
So to your question of what is meant by natural, warm, bright, you'll get a lot of answers, and I doubt you'll find someone with your exact setup to tell you what it will sound like. But overall, I'd say you'll be very happy either one. I would suggest however to avoid your own TT/Cart setup (Millercarbon, bless his heart, is a real hands-on guy) and just let the dealer set it up for you. That's one big reason I went with the Rega, it was all set up and ready to go for me. I'd rather listen to music then play with cartridge setup.  Hope this helps. 

thank you for your response millercarbon, I am new to vinyl music and am just learning everything, including jargons. 
Is full and warm the same thing?
I know warm leans towards the bass, lower sounds; is that why its seen as having more emotion and draws more engagement than neutral?
And does warm affect the higher sounds/treble/brightness? as I read warm is the opposite of brightness.

Is neutral sounding better than warm? or does it have less engagement and emotion?

Will the cartridges sound good on the turntables ill fit them to?

Of course they will.

Which cartridge should I get based on my music preference?

It's sound preference, not music. Find a cartridge with the right sound, it will be right for everything you throw at it.

Rega leans more fast/neutral compared to say VPI which is more full/warm. Rega also are light, which is okay (where the fast sound comes from) but can be a challenge if you don't have a real solid stable rack/shelf to put it on.

Forget all the BS everyone will tell you about which cart goes with which arm goes with which turntable. First, look at output. Anything less than 0.5mV might be a good cartridge there are some good ones but that low output will make it harder for you to find a phono stage it will sound good with. Everyone focuses on cart/arm when really it should be cart/phono stage. So medium output MC.

Then read listener comments about how they sound. Because how they sound on one, is how they sound on all. People who tell you such and such works great, and that is all they say, you can safely disregard those comments. People who say such and such has terrific imaging, draws me into the music, hearing details I never dreamed were there, that is what you want to hear. Anything else, skip it. Not worth your time.

That is how you find gear (not just cartridges) that will make you happy and keep you happy a good long time.

Is my amplifier and speakers good enough to play the quality of the turntable and cartridge?

For sure your front end will be ahead of the rest of your system. But much better to have it that way, than a crap front end and everything else way better. This is another false notion, the idea that if one thing is bad it prevents hearing improvement made elsewhere. Nothing could be further from the truth. Improve your table, you will hear it. Then later on when you get a quality tube integrated, you will hear it all over again. Will you ever!

You are new so one more tip. Don't waste money on expensive setup jigs and protractors and stuff. There are free templates you can download and print that give the exact same results. Or if you don't want to mess with that then the Mobile Fidelity Geo-Disk is what I use. Then get a stylus force gauge, good quality tweezers, tiny little screwdriver, Scotch tape and a Q-tip and you are ready to mount and align like a pro.