The iPad can "talk" to you if you enable the built-in screen reader called VoiceOver. This feature is intended for use by people who are blind or have severe visual impairments. There are some...
It doesn't come with it, so just search in the app store for a good one.
The iPad doesn't come with a voice recorder but there are some apps that you can download to record voice.
No. This feature is presently only found on the new iPad (3rd generation).
It has a microphone, but there is no built in voice memo program. However there is one in the app store for free.