Depending on the fermenter, I'll draw out a sample with either a 1ml or 10ml pipette, or maybe a wine thief if I want extra to taste. I suppose a racking cane with the little black cap on the end would grab enough for testing, too. Many ways to skin that cat....
I've been using a refractometer to monitor fermentation for about 4 years or so, with both brewing and winemaking. At first (being a skeptic by nature), I compared my readings against my hydrometer every time. I stopped doing this after ~20 such comparisons because they were either exactly the same, or the difference was so slight that it simply wasn't meaningful to me. YMMV.
Something to consider if you decide to similarly compare results, at least if your hydrometer is one of those common $6 triple scale hydrometers: if you do observe a difference in readings, how will you know which device (if either) is giving you the correct reading? Surly we don't trust those triple scales that much, right?