Thanks Diane, that does help! - I think I will go with the 32GB iPad for now, and see what Apple have further down the line that may tempt me (higher res screen) and by then I'll know if I need more memory or not.
I'm looking at an Apple refurb as a further saving, I've had a good experience with their refurbished products recently.
Many of my personal machines (and office machines!) have been Apple refurbs. I've never had a problem with any of them.
Regards iPad memory capacity, most people I know who generate content (photos, movies, documents, etc) are best off with the 32 or 64 Gbyte models. Most people who consume content can live comfortably with the 16 and 32 Gbyte models.
I bought two 64 Gbyte models, one for me and one for my partner.
Mine generally has 32-40 Gbytes free space unless I'm working on a project as I use the space to hold my originals and work files, then archive them off to my main workstation. I might be working on 3G of data at one time, or 25G at another.
My partner, on the other hand, uses the storage for convenience. He fills the iPad with *all* his photographs, music, videos and such so that he never has to decide whether to load or unload something ... it's always all there. His data grows slowly so by the time he runs out of space the next generation with 128G will likely be available.
Your particular working habits mean a lot in terms of how much storage capacity you should have ... but in the absence of cost constraints, "more is better". ;-)