Bottom line: you will never approach the quality of factory inks with the refills. The factory inks cost hundreds of thousands of dollars to develop, and are costly to produce, but that's the only way to get the dots so small and get the color saturation and balance correct. If all you do is print graphs and charts, the refills will suffice, because the color doesn't have to be perfect to get the point across. But forget about it if you're going to print pictures.
[url]www.tomshardware.com[/url] did a review about color inkjets, and one of the comparisions was the cost to buy the printer AND print 6000 pages. Often, the less expensive printer ended up costing much more than the more expensive printer once the cost of the cartridges were added in.
HP's current printers have the best color picture quality, but part of the reason for that is that they use the most expensive ink in the most expensive cartridges. It's the old story: you get what you pay for.
-Troy