Would I hear more background noises with MC Lo, than with Ho ? May even be less with MM ? But MM is less life lke music, compare to Lo MC ?
I think it depends on each particular cartridge, the stylus tip type and the quality of your phonostage (and your records too).
In general any LOMC generate a very low voltage signal and for this reason very sensitive to phono cable and a phonostage too. So you can hear more background noise with it if there is a weak part in your components chain. Phono cable must be very well shielded.
MM generate much higher voltage signal (from 1.2mV up to 9mV, depends on the cartridge output). The cable is much less critical to noise, but capacitance of the cable is important for MM (and irrelevant for MI for example).
Don't let people brainwash your mind with statement that MC is better than MM/MI. I like various LOMC cartridges, but i have many MM/MI that simply better than most of the LOMC that i have owned. So the answer is not that easy, it is always depends on each cartridge.
I always recommend to read this old article from T.A.S. Magazine
, no matter that it's not new, the cartridges in the article are still superior to many LOMC, they are much more expensive nowadays compared to the retail prices mentioned in the article. I have those cartridges, i can confirm they are amazing. There are some MM or MI that you can't go wrong with and the reason why professionals prefer MM is because the sound is closer to the mastertape and the price is much lower than for most of high quality LOMC.
If your records are not new reissue, but used/vintage records then styli like Stereohedron, MicroLine, MicroRidge, Shibata ... are better choice in terms of less surface noise. Because the old records are worn by conical/elliptical styli, the advanced profiles goes deeper in the groove and rides previously untouched part of the groove walls (records must be cleaned anyway). So my advice is to look for a cartridges with the best stylus profile, it is all about accuracy in sound.
The goal of MM or MI is not only a less problematic application with many phonostages, but also a convenience (user can swap the stylus himself).