There is little need to fill cartridges yourself, so who do it ? If you have a lo on ebay, you will see lots of generic cartridges that will fit almost any printer known to man
For instance, I have a HP C6280 All-In-One. if I buy a set of HP 5 colour and 1 B/W from say, PC World it would cost in excess of £25.00. But on ebay I can get double the amount, ie 12 cartridges for £8.00 !
Now, admittedly I don't print out photos with my machine but £8.00 must be good value surely?
And no inky fingers !