Here is my money saving tip!
IF I were to print 20-40 on 8x10 photos I would not be using my own printer. Unless someone else is paying for the printer + inks + paper.
My obvious option will be to use the Photo Centre @ Costco. You can either submit your photo via online and have pick your pickup location or just visit the warehouse yourself and do it on the stop.
I suggest you try few sample print outs to see if you are satisfied with the results.
The reason I recommend is because of the price for larger prints at Costco.
Here are Costco's Photo Print Pricing
Product Price
4x6 $0.15
5x7 $0.39
8x10 $1.39
8x12 $1.39
11x14 $2.49
11x16.5 $2.49
12x12 $2.49
12x18 $2.99
As you can see 8x10 print out on either Glossy or Matte (your choice) is only $1.39
$139 * 40 = $55.xx = likely cheaper than to print out 40 8x10 prints + cost of paper.
Than again, I would also buy myself a cheap-O photo printer just in case I need to print something out in a hurry.
Yes you do need a Costco membership but I think this will help you save money in the long run.
Visit Costco and read the details.
Also, if you do/want to get Costco membership yourself, see if you can get a Premium Membership ($105 after tax) one. It does cost more for a year but you do get a like 3% back at the end of the year or something like that... i can't remember.
I just got like $75 Costco coupon back.
Enjoy!