I had a Brother printer (multifunction) that served me well for a few years. I had refilled the ink tanks several times, never buying OEM inks. That printer used optical detection to determine when the ink was nearly out rather than chipped cartridges. When the nozzles finally permanently clogged I had to replace the printer.
I bought an HP. It was another multi-function (print/scan/fax), bought on sale for next to nothing. It was "instant ink ready" so I signed up. I don't print much, so I chose the free option, which is only 15 pages (any size or amount of coverage) free per month, and $1.25 per 10 pages after that. I have paid a couple times, only $2.50 total ink expenditure since buying the printer. They'll be sending me a third set of (free) cartridges soon, as the levels are running low again. Part of the 'deal' on the free instant ink subscription is that they may print up to one ad per 10 pages that you print. I've never had an ad printed. Despite the fact that this is a simple office printer and not a photo printer, the photo quality is very good, especially on glossy paper. I calibrated it with my Colormunki, and it is a definite improvement, but even the factory default calibration was fine when used with decent paper. So far the Instant Ink thing works great for me and I'll never need to throw away a printer due to clogged print heads, as the heads are integrated into the ink cartridge.
I also keep a laser printer for most mundane B&W print jobs.