(i talk using au$, so translate to US if you want..)
-cheap printers (under $150 for MFCs) usually come with two cartridges, with the exception of some Brother, Canon and Epsons.
-Medium priced printers ($150-300 MFCs) most come with the 4/5/6 cartridge sets. HP mfcs that have the 4/6 set cartridges start about $200ish
-Higher priced printers (from what i've observed) come with the 4/5/6 cartridge sets, however these desigend to do lots more prints or able to get high capacity cartridges to print to it, and/or have twice the amount of "features" from the medium and budget range.
Now, i must say that choosing one really depends on
a> How often its used
b> If it prints lots of photos and/or one particular colour (eg. red)
c> If it prints occasional/not often photos and/or random mix of colours
If you've answered a> Lots and/or b> yes, then by all means go for a multi cartridge set. Cheapest available would be Epson and Brother, then Canon and HP. Pretty much all Epsons produced now has the 4 cartridge sets (~$16 per cartridge, value packs are also available...) and Brothers all have 4 cartridge systems ($30 black, $18 colours, value packs available). Epson better quality between thte two, but the Brother has more features for its price (especially if you want fax also)
It saves a lot espeically if you tend to use one cartridge more than others.
If you've answered a> average/not often and/or c> yes, then its really up to you. Not using it much won't have an impact on cartridge buying (much). And if you do choose to just stick witht the two cartridge system, you can get the cheapest mfc on the market if you want. Any brand.