You can ease the financial pain
You can ease the financial pain of more memory by buying a refurbished iPad at the Apple Store.
There are posts to be found here from people far more experienced than I attesting to the value of refurbished iPads. They have a new battery, same warranty as new iPads, etc. (you can read the details on the Apple page).
What this means is that you can buy a 32GB refurbished iPad for the same cost as a new 16GB, or a refurbished 64GB for the same cost as a new 32GB iPad.
Hope this eases the pain of considering a larger capacity iPad :) In my experience, going back to the Apple II days, you can never have too much memory. :D