Answers:
1) Are there other factors that could affect SG readings with a hydrometer other than calcium levels?\
- yes, bubbles on the tip, or one that was left to dry out without being first rinsed in freshwater. "affordable" hydrometers are notorious for drifting bad over time, hence my suggestion to all to verify/calibrate theirs often.
2) Does a refractometer take account of the calcium levels, to give a pure SG reading (irrespective of calcium)?
- At seawater concentrations yes. Remember, seawater contains salt in concentration of 35 parts per THOUSAND, while seawater's calcium concentration is ~400 parts per MILLION. That means that there is almoast 100 times as much salt in seawater than there is calcium (or carbonate/alkalinity for that matter). Furthermore, typical fluctuations in calc/alk/mg are only on the hundred or so of parts per million. Which is MUCH less than the concentration of salt (less than 1%), thus changes in these ions in relatively normal concentrations of seawater will NOT affect the reading of a refractometer.
What Donya says is true, but remember a saturated solution of freshwater and carbonate again contains carbonate levels in the parts per thousand, not parts per million like is in our seawater
3) Is a refractometer really worth the extra cost / maintenance?
- IMO, yes. They do not drift over time and are actually easier to maintain. Just a drop of water on the lens, snap the cover down, read/record the sg, snap cover up, quick rinse in fresh or RO/water by just dipping or quickly running under a tap and it's all done. No monkeying around with bubbles on the needle, thorough rinsing, etc. refractometers are much easier to operate IMO.