My habit has been to check all carts when one shows low or empty. I then replace not only the low or empty cart but others that are somewhat low as well. What I want to avoid is the scenario in which I would replace one cart, have the printer automatically run the cleaning routine (in which all carts lose some ink) and have one of the previously somewhat low carts now show low or empty after just a few prints. In the long run I believe that I lose less ink and gain more printing time as there are less numbers of cleaning routines. I haven't done the math, but I think this routine is better than just replacing the cart that shows low or empty.
If I were using new factory filled OEM carts instead of refilling I'd then try to use as much ink as possible before changing a cart. Because the ink is so inexpensive for refilling I'm not concerned about wasting a bit of ink now and then. Even when I refill a cart and, when testing it, find that the ink flow is not great I have no problem wasting a cart full of ink to purge the cart and restore its ability to have really good ink flow.
If I were using new factory filled OEM carts instead of refilling I'd then try to use as much ink as possible before changing a cart. Because the ink is so inexpensive for refilling I'm not concerned about wasting a bit of ink now and then. Even when I refill a cart and, when testing it, find that the ink flow is not great I have no problem wasting a cart full of ink to purge the cart and restore its ability to have really good ink flow.