I'm starting to sense, gwine, that your reticence to getting this is cost over necessity. While I do believe the covers are expensive, they do serve a valuable purpose that I think, once used, you would enjoy and come to appreciate. I disagree with WillysJeep's depiction of the RT as being cumbersome. Most of us on here have extensive use of both iPads and Surface products and it comes down to taste. I personally find the iPad to be "cumbersome", to use Willys phrase, much more so than the Surface. Simple things like putting certain characters on the first ABC press instead of having to dig deeper to find them and having a true "10 key" for the numbers is fantastic. The hardest thing for me to get used to on the Surface was having to physically press a button to get the keyboard to go away, which you don't have to do on the iPad. Willlys not wrong, but it is preference.
I was an iFan for years and still like their products (nobody, and I mean NOBODY, syncs devices better...come on MS!). But when you compare the two side by side, I can't imagine why anyone would want an iPad over a Surface. Forget apps, that argument has been beaten to death (unless you have a very specific app need, like Yamaha has a networkable audio console so you can run your concert on the iPad from anywhere in the building...not available on the Surface, nor will it ever be, more than likely). It does come down to preference obviously, but to me, the Surface wins hands down. And I'm a power user of the product (at least 10 hours a day for work and play).
Okay, off my soap box and sorry to hijack the thread with a rant. You're right, it would be nice if there was something out there other than those covers for those who don't want to use a those covers. But I still recommend at least the touch pad if you're not constrained by funds.
Have a great one!