I've asked myself some of these questions.
1 Yes. I use Motion-X map program on my iPhone (works great!). It would be nice to use this on an iPad. Plus there are things that I can use this for when I'm not at home. Not really practical or as easy to do on the phone. Also, my kids have a LeapPad. Games cost $25.00+ each. iPad games are free, 99 cents or a few dollars. Plus with Apple TV, they can play them on the big screen. Oh yeah, DirecTV Anywhere is available for this. Not for the iPhone yet.
2 Yes again. I'm on my phone a lot when I'm not on my desktop. The iPad will get most of the use while at home.
3 No, but my new Barclay's card with 6 months no interest will take care of that. Instant gratification!