Hellraiser,
Bite me. I'm not clueless, I know you can refill the Lexmark cartridges. However, the quality of the ink is key, and knowing where to buy a good ink is of key importance. If you don't know of a good ink supplier, you can waste a lot of money and several old cartridges experimenting until you get good results. I bought the "wrong brand" of ink to refill a 1975 cartridge, and could not get it to print without banding/striping even after multiple cleanings of the cartridge.
Read this thread more carefully, and you'll see someone noting that an Epson refill for the 820C doesn't give very good results when printing photos - that's probably because of the quality of the ink used.