The Canon Pixma ip5200 I have came with the print-tray when I got it, although this printer has been since superseded. I'm not sure if the current ip4600 includes the tray, but the descriptions I've come across don't mention it's optional.
The Pixma ip4200 to ip4500 and ip5200 to ip5300 all use CLI-8 cartridges, which can be refilled. The printer uses two blacks (one pigment based and dye based) and three colour (magenta, yellow & cyan dye based). You can refill them and press the "Resume" button each time the printer reports the cartridge as empty. After a few times doing this, a warning message will appear about using refilled cartridges. This can be overcome by pressing the 'Feed' button for 5 seconds when this message appears and after this no more warnings will appear for the cartridge. The only drawback is that the printer will not report how much ink is left in the refilled cartridge(s), so you'll need to keep an eye on them every now & again (e.g. every 100 to 200 prints) and top any up that appear low. The cartridges are transparent.
Note that the new ip4600 uses CLI-521 series cartridges. These have a lower capacity to the cli-8 cartridges (9ml vs 13ml for colours), so if you decide on a Canon Pixma, I would recommend getting one that takes the CLI-8 cartridges to avoid having to refill them as often. From what I've read, the newer printers that takes these can also have their ink-empty warnings disabled in the same way as with the printers that take the CLI-8's.