I used to sell printers and yes you are right, they make the money from the cartridges. BUT be careful with the refills, some printers don't work so well on refills and if your computer is under warrenty some companys will not stand over it if you have used refills and something has gone wrong.
If you only need black and do a lot of printing, its better to go for a laser as they use toner and it will last far longer than the ink. It costs more to buy but not to replace the toner.
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