This is the exact reason I bout a 60 dollar Samsung Monochrome Laser printer, almost 4 years ago. I'd had a couple color printers over they years and always hated the uneven use of the different cartridges. That doubled with the head cleaning (ink wasting) routines they'd have to go through seemingly every few times i wanted to print something.
I've had to buy one toner cartridge in 4 years, the one that came with it printed REAMS of paper on the included one, and the replacment has about 1/3 more ink than that. Granted the toner cart cost about as much a new printer, but i'd have had to spend the cash either way and the printer I have works perfect.
The photo printing i attacked a different way. When I used to do a lot of it, photo printers were somewhat new, very expensive, and changing monthly in thier features. Rather than waste money on them, I just started taking my memory cards, CD's full of photo's or even real photographs to longs drugs, or anywhere with a fujifilm, sony, kodak etc kiosk in em. You pay per print, they read anything I've ever put in em, have a scanner and the best part is that on the fuji one's i use the most, the copys aren't printed on the photo paper, they are exposed on to it, just like film.
Yeah it's per use and can add up, but offset by that fact that neither me or my wife feel like driving just to print one or 2 photos, not having to but the printer or the damn ink that gets wasted because we didn't print for a while and it needs to do a head cleaning, not having to pay for the power, upkeep etc and buy photo paper. it's been a much better experience than the endless loop frustration. Plus I noticed yeah, we were having all this fun printing photos... to do what with them. Hang a few and chuck most of them in a drawer somewhere. I view most of them on a screen and or send them to people that do the same thing.
Even when I had a color printer, 99% of what I printed was black, if you have the funds sometime, invest in a black laser printer. You won't be sorry