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No you don't pay a monthly charge for the 3G usage on a Kindle device and you don't need a sim card or anything else extra.
The only charges that might apply are if you choose to send personal documents (ie documents perhaps you've written yourself) to your Kindle via the 3G. But even in this instance you can choose to never spend any money on this by adjusting your Personal Documents Limit to 0.00 ! All this can be controlled via the Manage Your Kindle page area which can be accessed via the Kindle Store on the Amazon website.
As far as viewing the web, checking your email and downloading books you've purchased from Amazon - there are no hidden fees or 3G costs involved.
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