If there is no focus/dioptric correction, you will be holding the loupé progressively higher and higher as your eyes deteriorate. It's not an ideal, though a great many people make-do just like that.
A rule of economics forbids you from paying a little and getting a lot. That said, a cheap plastic loupé would
never be good for anything near critical inspection of negatives/transparencies, because of a huge range of aberrations and lack of clarity. You're not doing your eyes any favour with those cheap things, either.
Peak, Cabin and Matin (and the boutique and brutally expensive Schneider-Kreuznach marque) are four manufacturers that make excellent loupés, but a lot of them are not cheap — they really cannot be for the specific critical task; you are inspecting your work for focus/depth of field, detail, any evidence of blur etc. Some of those Schneider toys cost around $1500. I saw a very good tiny, corrected but non-adjustable 8x Nikon to cover 35mm in the shop a week ago, but it didn't have a tiny price at $160, yet I considered this cheap for the evident quality! I don't know why you would want a 10x loupé; it isn't necessary for large negatives. 4x to 8x is very, very common; 8x for 35mm usually have to be highly corrected, with or without focus. The larger the negative, the larger the loupé that is ideal, rather than scooting about the neg incrementally you can see the whole thing in one go. The other alternative is to use a 50, 80mm lens in reverse. A little unorthodox, but that is what I used as a student four decades ago!
A loupé is always used flat to the surface on which the negative/transparency is being viewed. You move it around, into the corners of any sized negative/transparency, rather than ask of it to show you everything in one go.
As said earlier, I onced used a Canon 50mm 1.4 lens reversed. Then came a plastic one which I
hated. With employment increasing my cash flow, I moved up and up, progressively discarding earlier models at family garage sales. Now, my own loupé (since 2009) is a 6x4.5 / 6x6 / 6x7
Cabin 3.5x Pro asph with adjustable diopter/focus (mine eyes haven't been good since 2005, but they are stable at this time). It came with two interchangeable skirts (clear, opaque). I have never felt more comfortable and accommodated with this admittedly pricey choice for the sizes of rollfilm I deal with; yes, I squirmed at the price, even with a loyalty discount!! It might be best for you to take one of your 8x10 sheets into a dealer and do a live-test of a number of loupés until you feel comfortable with just one. And hang the price.