One nice thing about refills is that it gets you into a much nicer class of pen body - it's amazing how much difference a nice texture and better weight and balance can make. Of course, then you need to be careful to not lose them!<p>I habitually carry multiple pens - at very least, a fountain pen and a disposable ballpoint that I like (Uni-Ball Jetstream). The ballpoint is for signing receipts mostly, so I don't have to use whatever they give me, and for loaning to people who suddenly need a pen. I assume I'll never get it back when that happens.<p>I sometimes carry a fine Sharpie as well, for things where I want a wider line on whatever sorts of surfaces. And if I'm really swinging, I'll have other disposables.<p>For a while, I was carrying a Retro51 Tornado (beautiful and affordable) with a Monteverde blue-black gel refill that is maybe the nicest-looking ink I've found. But it's a bit broader than I like, and they don't make a finer point.<p>I also really love the Pilot Hi-Tec-C, but unfortunately, they don't really make proper refills for it, and the disposable bodies are trash, to put it nicely. Absolutely the best fine-line disposable writing experience, though.