Just last week I went through the process of trying to figure out which way to go: cheap USB magnifier or expensive microscope. It wasn't very scientific and it was aimed at just my needs, but here's some of what I found:
There are many 300X and 500X USB cheapo microscopes on Amazon for $15 - $90. The "mp" or megapixel rating is useful way to compare them or guess at one unit's real resolution, but the descriptions are tricky. To have a nice, sharp image you'll need a high MP rating of the sensor itself, not the MP rating of the images the software makes from the sensor. Many of the USB microscopes have tiny sensors, apparently, but enlarge those captured images to something much bigger and claim the MP rating of those enlarged images. The software that comes with the USB microscopes also varies wildly: some working OK on both PCs and Macs, some working only on one. The USB microscope I ended up buying, model UM012C, had image capture software that worked fine on my Windows 7 PC, but the USB driver itself didn't work on my main PC. It worked fine on an identical PC, though. So, some PCs will "see" the USB microscope fine and others may not. And I'm no slouch when it comes to locating oddball USB drivers, but still couldn't find a working one.
There are plenty of used "real" microscopes on eBay. I don't quite grasp the differences between darkfield and not darkfield, 3D tray and regular tray, but I do get the multiple lens that can be rotated in or out affecting the raw magnification level and the eyepiece adding another factor of magnification. It seems a good set of lens and an eyepiece you can shoot a digital photo through is a good combination.
Looking at new microscopes, it seems the lowest price would be about $200 for the microscope and another $150 to $200 for an add-on microscope digital camera. The choices there range from 0.5 MP to 20 MP camera. That range of choices was great, but the overall cost now hitting $400 pretty quick was too much for me.
The new microscope-specific cameras also stated they were good for any microscope with a removable eyepiece of a standard 21 cm (or maybe it was 23 cm) diameter. That made me think I could buy an older used microscope and easily add a new, high resolution (5 MP maybe) camera so long as the microscope had a standard eyepiece size.
I couldn't tell how much room, vertical height adjustment, there was in each microscope so I wasn't sure if I could easily adjust it to fit a whole cartridge in the viewing area. So, I opted for the cheap USB microscope route, knowing it was a small investment for learning purposes. It works well enough to ID the needle, see any debris I need to clean off, but not good enough to see needle wear.
Denon DL-160 and Ortofon 2M Red with USB microscope UM012C:
