So... Am I missing something? Or is this just not the right product for me and I should return it and pay the $50 restocking fee?
One of the great things about the iPad is that while it's in demand, you're pretty much getting a risk-free trial; it's good that you're deciding quickly that it's not for you and moving on. You could probably sell it on for retail, seeing how people are asking more than that in some venues.
Hopefully your post will provide a data point to someone else considering the purchase, and will prove helpful if they've got similar usage patterns.