Are refillable pens worth it over disposable multi-packs?

Refillable metal pens like the Parker Jotter and Scriveiner cost more upfront but accept standard refills, reducing long-term waste and giving a more substantial in-hand feel. Disposable gel multi-packs cost far less per pen and are simpler for high-volume or shared use. Both approaches are well-represented in this list's verified-purchase ratings.