Diane,
The issue is not one of "computer literacy." Rather, it's related to your preferences in terms of keyboards and convenience, weight, etc.
The Zaggmate/Logitech combo case and keyboard has many fans. It provides complete protection for your iPad with a built-in keyboard and a metal case. On the other hand, some people complain about the edge surrounding the keyboard interfering with typing and there have been some complaints about the overall quality of the units.
Brookstone offers a folio case, again with a built-in keyboard. And Kensington has a similar folio case available on
Amazon for a lower price. These options, too, are combination cases that keep the iPad and the keyboard together at all times.
If you're very picky about the quality of a keyboard (and do a lot of typing), you might prefer the Apple Wireless Keyboard combined with the Incase Origami Workstation. This option provides only a case for the keyboard and a stand that holds the iPad when the case is "unfolded." I prefer this alternative, but it means I have to have a bag to hold both the iPad and the keyboard case and that may exceed your budget. On the other hand, it enables me to use the iPad with or without the keyboard and to use the SmartCover I already have.
Other options are similar in combining a case/stand for the iPad with a separate keyboard. Some people like the relatively inexpensive "foldable" keyboards for their portability. IMO the durability and quality of the keyboard is suspect in that approach. And again, you'll need a bag/case to hold both the iPad and the keyboard. (Joby makes a very nice case for the iPad that raises it for easy viewing/typing (the Ori) but you'll have to get a separate keyboard.
You can also use a Microsoft 6000 mobile keyboard with the iPad. IMO it's the best keyboard available if you're a serious typist. It's cheaper than the Apple Wireless keyboard and has a separate number pad that the Apple keyboard lacks. Again, though, you'll need a bag/case and a separate stand for the iPad.
A final note. What may have led you to believe that being "computer literate" is somehow important in deciding what to choose is the issue of "bluetooth" connectivity. Don't despair. Bluetooth is simply a short-range radio connection that enables the iPad to recognize and respond to a keyboard (and other peripherals) wirelessly. Initially (and occasionally thereafter) you have to "pair" the iPad with your keyboard. This is a simple procedure with all of these devices and unless you choose some very obscure keyboard, you should have no trouble linking the keyboard and the iPad.