A wifi phone is just a phone that can use wifi. You would connect it to a wifi network to get a better signal for faster web browsing than a cell tower.
That depends on what you are planning to use the iPad for. An iPad Wi-Fi with 3g has both Wi-Fi and 3g connectivity, whereas the iPad with Wi-Fi only has Wi-Fi connectivity. 3g connectivity allows...
If you go places and are willing to pay for AT&T or Verizon but if you don't then get the WiFi one because its not really necessary to spend the extra money for just 3G