Wise to not go into debt, but I *ALWAYS* make such purchases on my American Express Gold Card. AmEx has reimbursed me for two laptops so far, that each died shortly AFTER the manufacturer's warranty expired. $3,000 or so. AmEx adds a year to your warranty (used to double it, but 1 year is pretty good). In fact, they even rebated me the difference when the original iPhone dropped $200 within 2 months of availability.
As to the original question, I sold my HP netbook, which I have no plans to use once the iPad is in my hands. I also plan to pay for it through the sale of my apps, including iPad-specific versions!
Good Credit Cards have good benefits.
My bank does not offer extended warranties, rebates, priority ticket purchasing...so the AMEX is used all the time.