@jay73 ,
a few answers to your Q.
1. A true step up has no cord and does not plug in. Its a stand alone unit.
2. A step up is not a step up. There are varying degrees of bandwidth and gain levels.
3. when is it needed? depends on how low the power supply noise floor (ripple and signal to noise ratio) is on your phono stage and how much output a given cart has. The lower the output level on an MC cart, the more likely a step up will help.
Once a person decides on a step up there are so many options from super inexpensive to outrageously expensive.
I dove down that hole a few years ago, and could not easily return to a phono stage with no step up.

