I have used HP all-in-one models for nearly 20 years. They are very keenly priced in places such as TESCO and they have proven to be reliable.
The actual cost of ink does differ from printer to printer, and it would depend on how much printing you intend to do. If its just B+W, than the cost shouldn't be high. An advantage with an all-in-pone is that you have a home-based photcopying facilty, which is always handy !
However, if you are going to print photos on a regulat basis, then a home printer probably isn't the best way forward. I have used TRUEPRINT and have never been let down.
Also try a branch of ASDA if you have one near. Again keenly priced and while-you-wait service.