Well I got sick of my cheap-o Epson Stylus Photo ink-jet and got a more expensive one (the R300). It has separate cartridges. I just couldn't keep the nozzles clean on the other one, even though I always used Epson ink.
Anyway, I've purchased a set of refillable cartridges. I was going to purchase a continuous ink system, but I don't do that much printing, plus I don't like the way it looks. So I bought a set on eBay. They come with a little syringe and bottles of ink. Pull the stopper in the refill hole out, put it in the air hole, insert syringe, pull it back, and let the cartridge suck the ink in. Swap the stopper to the refill hole, should be back in business.
So far so good. The pictures look great, ink seems compatible with Epson glossy photo paper. Refilling looks to be straightforward, though I haven't had to do it yet. No clogged ink nozzles, changing over to the new cartridges was a breeze (hit maintenance button, unplug printer, insert new cartridge, plug printer in, turn it on).