but what about Instant Ink is great? It looks like a terrible program for anyone who isn't named "HP".
The important thing is that you're printing frequently, at least once per week, and using up most of your quota. If you're like me, where you print maybe 50 pages per year, it's a terrible deal. But if I was printing 50 pages per month, that's only $4/month. That's $0.08 per page. Meanwhile, a spot check of a few sets of color cartridges shows that buying your cartridges outright is around 13-15 cents per page.
If you only do black, then it's not that good of a deal.