I have an HP Photosmart 1000, now a few years old. It has performed fine. Prints picture very, very well, but I do contend, even the best home printer on the market today will not give you the quality of a photo lab. Great pictures at home on high quality photo grade papers, very good, but not a photo lab yet.
The supplies are where all the printer manufacturers make their money, not on hardware. Just like Gilette razors. As far as refills, I do not use my printer enough to warrant the aggravation, I just buy new cartridges.
Hope this helps a bit.