If only using at home mainly, then you might find the extra $130 a waste if you truly never use it.
I bring my iPad to work every day, but not to use the internet on. For surfing, I only do that at home with it, and since I have an iPhone, there goes my 3G wherever I need it. I don't do heavy duty surfing in the field.
If you have the extra $130, it would be cool to retain the option, but if money is really tight-as you said, you plan to only use it at home. It really comes down to individual use. I can speak for myself of course, and I would never have gotten an extra data plan on it even if I was given the 3G. Mine was an early gift and I asked for wifi only
iPad 1,2 &3
Once again, as Major Eazy said, you are the best person to answer the question.
My opinion is I wouldn't be without my 3G I love that I never have to worry about an internet connection. I can tether to my Evo but I just turn on my iPad and don't need to fumble with anything else.
I also travel lots so the GPS is invaluable to me. The big screen is VERY easy to see while driving.
Just my opinion, YMMV.
(Done from my iPad.)
iPad 3 4G 64GB - iPod touch 16GB - iPhone 4
The iPad may well be the most perfect electronic gadget currently on the market. (Yes, that includes the Droid Tablets)
And yes, if you take it from my hands I will stop breathing.
If you have a smartphone you can just tether it when you need 3G this way you don't have 2 data bills
Is it possible to tether to my Blackberry Bold 9700?
iPad 32GB + 3G
iPhone 4 16GB
iPhone 3GS 8GB
OtterBox cases on all
Sent from my iPad while riding my BMW K1200RS listening to my iPhone 4
Upgrade to 3G.
Think before you Sync Since you may Sink
The More Tweaks you have - Less Memory is left
Just my opinion, but I would never go just wifi. I use my 3G all the time. I take it with me everywhere, (or did before it was stolen!). I did not load a lot of songs and such on mine. I used mine heavily for pandora radio, (I have my ipod for tunes), Hulu, Netflix, etc. I listen in my car. I don't want to have to tether. It is just so convenient to have internet access all the time. I also have an app called Siri. It is one that finds things for you. This is so nice. I also had the whistle phone app. If my phone gets lost or is dead, I still can make a call using my Ipad.
Also, as stated above, most phone batteries suck in comparison to the Ipad. I don't want to drain it anymore than necessary. If I am shopping and want to check a price on an item at amazon or ebay, it is right there. If you don't get it, you may not really miss it, but I bet if you get it, you will end up finding that you do use it and you will be very happy you got it. It is definitely worth the extra money. And as stated, you do not have to get signed up and there is no contract. Use it as needed. Enjoy!!!