Low in consumption - without ink leakages, the consumption is
pretty low. Excluding the printing of pictures, whereby the
consumption is high.
New refiller/cartridge - generally, not all printer brands offer
refillers. One reason for doing so is because of profits, as
refillers are cheaper than buying a new cartridge.
Different companies, different policies. For me, I'm using HP. They
allow you to trade in your old cartridges for a new one at a
cheaper price, usually bought from a wholesaler or
distributor.
Slow printer - I see your definition of personal printer is quite
high. Most personal printers don't print fast, but at a good enough
rate not to be slow. If you are looking for something faster than
this, you have to get a lazer printer.
Budget - What exactly is your budget? Different people have
different definitions of cheap. Who knows your definition of low is
$1000? +/- $100 = $900/$1100. Good enough for a lazer printer.
