My grand plan for the iPad2 (on order from the online store) is to replace our Windows netbook on our travels (now down to about a total of six weeks or so per year) throughout the world and to do our banking from wherever we are. In order to do that we will have to set some favorites (bookmarks) and some cookies on the iPad2 which some of the banking websites require in advance in order to recognize the device. Therefore, it seems that locking ours would be a good idea.
For sensitive information, I subscribe on my desktop to eWallet which will sync with the iPad2 without issue so credit card numbers and those sorts of things are safe.
If I understand correctly mobile.me costs $99 per year and I can't justify that kind of fixed cost for what I regard to be very low return. I'm very much like one of the sad souls who replied to my introduction thread saying that he hasn't been mugged, doesn't lose things, etc., in other words, a belt and suspenders guy who is keenly aware of his surroundings.
Any insight into any comments on mobile.me and on my other points would be appreciated.