It depends on whether you buy the device with 4G with a ATT or Verison account. The rates are comparable. Yes, you can pay for the cellular plan on a monthly basis. It is up to you to turn it off. Settings> Cellular Data > View Account The $20 a month provide 1024 MB of data.$30 a month is 2 GB.
There is support for the iPad from the Mac User group right here in The Villages. The iPad makes a pretty good GPS.
The iPad meeting at Colony isn't part of The Villages Macintosh User Group. However, you might get good advice.
Whether it is pricey or not depends on how you plan to use it.
If I were new at this I'd go to the Apple Store in Orlando. Much more knowledgeable than local stores.
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