Much excellent advice here - thanks very much for all of you taking the trouble to reply to my query. I'm still undecided on exactly what combination I should get - child of the village, yes that does help as I had considered trying to pay more upfront to reduce running costs but had also thought it may pay to wait for new technologies to emerge as your reply tends to suggest.
Overtalk, I have had likewise - in my case with an Epsom then a Xerox. Don't really understand why but in both cases I had tried to refill the cartridges. Unfortunately the price of new cartridges against that of printer replacement almost makes it worth trying.
Fuji