You're confused about APNs. An APN is basically just a web address that the device resolves to connect to the packet data network. It's the access point to a data network, the rest of which exists.
Have you seen these screenshots before?
That shows you the interface of how you set up the data plans. The iPad will have all the network details, and the payment will be enabled over 3G.
No way Apple would launch without allowing you to do this.
I'm definitely not confused about APN's. If what you're saying is correct then why couldn't just anyone with a sim card connect to at&t's network for free without ever creating an account?
I believe you're confused over APN's with a cellular network. With at&t laptopconnect cards and the ipad most likely will be using the isp.cingular apn. The device needs to have the apn settings (ie. apn/username/password) to connect via that APN provisioned for that account on the network.
This is how a lot of people here tether their iphones... using the wap.cingular APN that's already provisioned with their account because of their iphone plan. No iphone plan? Guess what... no data connectivity because that wap.cingular apn is removed when the plan is removed (when that was still possible that is).
With that said... I do believe at&t will provision two apn's once the account is initially created. One for regular internet connectivity and the other remaining on the account regardless if 3G is active or not, just for activation purposes. But regardless, an account would first need to be created in at&t's system for this to happen.