Are regular "refills" needed, like changing water/cartridges?
They shouldn't be.
Can I reasonably install it myself? I'm no DIY expert
As I understand it.
A mini split is as the name suggests "split". You have two units, the "indoor unit" and the "outdoor unit".
In a conventional air conditioning unit, the indoor unit contains the evaporator and while the outdoor unit contains the condenser and also usually the compressor and accumulator. In a "heat pump" unit there are extra valves such that the two coils can switch roles. When you switch from aircon mode to heating mode, the outdoor condenser becomes an evaporator and the indoor evaporator becomes a condenser.
The two units are connected with a pair of pipes called a "line set" which carry liquid refrigerant from the condenser unit to the evaporator unit and refrigerant gas from the evaporator unit to the condenser unit.
The system is designed to be sealed, refrigerant needs to stay in, and air and water need to stay out. The majority of air conditioning systems use fluorinated compounds as refrigerants. Sale of these refrigerants and work on equipment containing them is restricted in many places due to environmental concerns with refrigerant releases.
For a "package unit" where the whole refrigeration circuit is in one box, they can just ship the thing pre-charged and you just hook up the air ducts and the power and control wiring and turn it on. For a "split" system though things are a bit trickier.
Some equipment ships with all components open to atmosphere, after connecting the pipework and sealing the system the installer is expected to vacuum down and then charge the system.
Some split systems ship with the condenser unit pre-charged with refrigerant, but other components open to atmosphere. After installing the pipework, the installer must vacuum down the pipework and the evaporator unit, before opening the valves on the condenser unit to let refrigerant flow into the rest of the system. This saves the installer the effort of charging the system, but they still need a suitable vacuum pump and gauges to perform the evacuation.
In some countries you can get systems designed for DIY install where the air has already been evacuated from the components that are not pre-charged. The installer just threads the line set through the building and special connectors are used to join the system together and release the refrigerant while keeping air ingress and/or refrigerant escape to a minimum.
The downside of this approach is that the "line set" (the pipes that join the evaporator unit to the condensor unit) is a flexible assembly of fixed length that the user cannot shorten or lengthen and must thread through the building in a single piece.
At least on the unit's I've seen, In addition to the refridgeration lines, the indoor unit will also have a drain pipe to take condensate to the sewer.
(Optional) Is annual maintenance priority (and can I do it myself)?
AIUI the main maintenance needed is cleaning. The evaporator and condensor coils pick up dirt which restricts the airflow making the whole system less efficient and ultimately can lead to damage to other components.
The refrigerant is supposed to be sealed in the system, but some systems do end up with leaks. In some countries it is considered acceptable to top up a system with a slight leak, in others even the smallest leaks are supposed to be found and fixed before a system is re-charged.