Refilling is really easy. I was worried it would be complicated, too, but it's not. And it sure does stretch the savings! In the V4L subforum there is a sticky that has a video which will show you how to refill.
The pumpkin pie has gotten mixed reviews. It sounds like it's one of those love it or hate it type flavs. I got the coffee sampler, too. AND OMG I found out I love Espresso and Cappuccino... and Cinnamon Roll. I could go on and on about the flavors...
Oh and grats and welcome, boston.
