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Again, depends.
Do you anticipate downloading music on the go (remember, that includes podcasts)? How about uploading photos? If you expect you won't be doing much of that, or if you do that you'll be somewhere with access to wifi (as opposed to the mobile network), than save the $.
If you expect to be using it as a point-and-shoot often, uploading photos as you go (if you get android, it might be doing it automatically to your Google+ account - a very nice feature). Or if you expect it to be a daily podcast listening device that you'll want to grab the latest episodes on...then it's worth it.
Can you change your mind and upgrade after the initial order? Ask if you can. Go with the cheaper plan, and keep an eye on your usage. If it seems like you are going to hit your limit, upgrade.
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'He who receives an idea from me, receives instruction himself without lessening mine; as he who lights his taper at mine, receives light without darkening me.'
-TJ
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