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The HP+ program is free, and it gives you an extra year's warranty and other benefits. One of the options is to sign up for the Instant Ink program. If you sign up and go for the lowest price plan ($1.99/month for up to 50 pages), it would save you about $10 over the cost of waiting until the printer needed toner and then buying it. And if you do printing that uses a lot of black toner, you'll get your replacement toner sooner and you'll end up saving more-because the plan is based on the number of pages, not the amount of toner you use.
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