The first question to ask in my mind is:
Do I REALLY need color???
Cause unless the answer is YES, definitely - than seriously consider a low cost b/w laser. They can be refilled (even most of them that don't advertise it) with toner... but the #1 reason is that ink jets are really a pain if you are a normal user that doesn't print all the time. They get clogged, need cleaning (which BURNS up ink) and are generally a pain. A laser is faster overall at printing, doesn't burn up ink just by turning it on (which lots of ink jets do) and is generally less of a hassle.
What you are saying, without realizing it, is you don't use your printer often.
If you turn it on daily and make a couple prints, cleaning is far less likely to be needed.
BTW, I did a study several months ago---I picked the HP 8500---I have never had a BAD HP-----UNTIL NOW!!!
One hour session on the phone to set it up (software). First change of ink, didn't work right. Another hour on the phone---refill with different HP ink, still did'nt work right. Another call to HP, they replaced the printer for free and sent me some extra ink. Worked ok for about three months, now again the "new" one is not working correctly (I think the printheads are poorly made, but the result for me will be dump the junk and buy a decent one (which I will pay nearly $1000 for, so my experiences are not aligned with your needs).
Short answer--no matter how much you know, you CAN make a wrong purchase.