If you take a bic or other disposable type lighter with you, it will take care of 95% of your firestarting needs. Swap it out every so often for a new one, and you shouldn't have much to worry about. If you pack a blastmatch or some other sparker, you are pretty much in the green. If you use a zippo, you will have to remember to refill it with lighter fluid every couple weeks or so. If you pack a refillable butane lighter, you will have to refill it maybe less often than a zippo. There are refillable butane lighters that use a catalytic element that makes the flame darned near windproof. That might be overkill for all but the most extreme situations.

Stick with one of those 98 cent butane specials at the stop and rob counter, and do some more research. Zippos work quite a bit different than butane lighters do. Calibri makes some nice refillable butane lighters.