For a start, if I were to play 78s, I would definitely go for a mono cartridge as they somehow seem to be more forgiving when it comes to groove inconsistencies, surface noise and turntable rumble. The key to owning a 78 collection is to know the usage history of each record. This is close to impossible especially if records are purchased from shops or vendors. From my experience, magnetic cartridges for 78s produce better sonics but are very sensitive to groove distortion, groove and surface noise and if your 78 happens to have a deepish scratch or a slight crack, a cracker would burst through your speakers each time the stylus runs over it. A mono ceramic cartridge preferably from the likes of Sonotone (if you have access to international markets) or HMV, Philips and EEI if you are looking to purchase in India, is the best option. A flip stylus with microgroove on one side and 78 on the other gives you the option of using this setup for playing very old and worn microgroove records as well. Ceramic cartridges sound bad as almost all contemporary users are not familiar with how to connect them to an amplifier. One would require a passive input impedance balancing network (with a slight loss of gain) or a dedicated phonostage (without loss of gain) for excellent sound quality. For playing 78s, a scratch filter could be useful or if you are building a DIY circuit for the purpose, using variable cartridge impedance loading can control the noise to some extent as illustrated in
this circuit (the variable resistor VR between the cartridge and the circuit serves the purpose).
PS: It is a complete misconception that ceramic cartridges damage your valuable records. Yes, they will if they are used on cheap turntables with heavy-weight tonearm tracking, and with misaligned, worn or damaged stylii. The routine of appropriately setting the tonearm calibration, caring for the record and stylus, and more so, careful handling, is essentially the same for both magnetic and ceramic based rigs. A true tonearm with accurate tracking can handle ceramics easily with 4-5g VTF which is similar to some magnetics. For example the Shure M3D MM cartridge tracks with VTF between 4-6g.