phono pre loading and gain question


I have a Motif mp-11 phono pre. Inside, through switches, the gain can be set between 40, 45, and 48 db. On the front is a knob selector for loading with positions: 70 ohm, 100, 150, 250, 470, 1k, 2k, 5k, 10k, 20k, and 47k. I have read most of the threads and am still confused about how low of an output mc I can use. This feeds into a Sonic Frontiers preamp with 20db gain. I don't want to get a step-up transformer if I don't need one...but I would like to try a Shelter cartridge out. Also, why would my phono pre have so many loading choices but so little maximum gain. One more thing...are step ups very prone to noise or hum. thanks
skeyebox
Well, my amp is very low power, maybe I don't have alot of gain there, so I need to get it earlier in the system. I don't have a gain spec on my amp. Heck, all I know is that is what it takes to sound good in my system.
Tom, my comments were made to point out how important noise structure is to the whole equation, not to call into question the veracity of your statement. You own the cartridge, as I said, I don't. I would always, always, defer to your expertise in this area. It is a fascinating area of discussion though. The calculator is just some mathematical game really and cannot substitiute for the real world experience that you, and other owners, have with a given setup. Now captured bearing versus unipivot, knife edge and oil bearing arms, that's where we can have a hearty and respectfull disagreement.