Where do you actually go to refill your propane?

Everyone says 1lb tanks are wasteful. some refill DIY with an adapter from 20lb tank. some buy 3/5lb tanks and refill those.

but i'm in a major metro and having a super hard time finding a place that will actually refill. then out of those that refill, they all have per tank minimums which is basically equal to the value of the full tank. then on top of that, they don't refill smaller than 20lb tanks.

i see that some big box stores advertise refilling per lb without minimums, but they are always not available at the locations near me.