Well, I'm glad I got in here before Lemon Law starts laying down "The Law".
A laser like the HP 1020 can average about 1 cent per page, assuming you dont pay full retail for the cartidge. Dig around online and you can find them cheap.
Also of note: HP's ship with full cartidges, so you dont have to worry about runnning out immediately. Thats something to consider when looking at other brands.
As far as quality goes, I still believe that HP makes the best lasers. Dont know too much about the 1020, but if its even close to the same as the other low-end series then you have a good printer there.
I have been using the 1000 for many years and I love it. Quiet. Fast. Cheap. And excellent quality. It seems that a laser with 600 dpi gets much better prints than an inkjet at 2400 or 4800 dpi.