dawgfish, I do not think it is useful to look at it this way. First of all, what is the turntable you really want, the one that is a stretch but you know you could get there in time. Good turntables well cared for will last a lifetime.
So maybe you cheap out on the tonearm and cartridge knowing you will up grade them in the future. The turntable will determine your choice of tonearms and then the cartridge. The cartridge is a disposable item, the Turntable and tonearm not. You pick the tonearm that you like not one that fits your price ratio. If you can't afford the one you like now get the next one down knowing you can upgrade later.
So maybe you cheap out on the tonearm and cartridge knowing you will up grade them in the future. The turntable will determine your choice of tonearms and then the cartridge. The cartridge is a disposable item, the Turntable and tonearm not. You pick the tonearm that you like not one that fits your price ratio. If you can't afford the one you like now get the next one down knowing you can upgrade later.