Hi Billy,
I wouldn't say that it's a user unfriendly cartridge; it's just that some preamps include a gain stage suitable for use with low output moving coil cartridges (especially many of the more expensive preamps), and some don't (especially many of the less expensive ones).
Unfortunately, though, I would say that with a 0.4mv cartridge and the preamp's 40db phono stage, which is obviously intended for higher output cartridges, you most likely will need either a step-up transformer or head amp. And that would seem to be confirmed by the statements in the review that a 0.6mv cartridge was marginal.
Although if your listening is just to music that never gets very soft, such as most rock recordings, it seems conceivable to me that the results (in terms of hiss level) might be tolerable.
But do also reconsider the possibility of adding an external phono stage, and running it into a line level input of the preamp. You can find a number of them that I understand to be well regarded at
Audio Advisor, in many cases for less than the price of a quality transformer or head amp. Several of the models that are listed as mm/mc compatible cost well under $200.
Good luck!
-- Al