Yes, if you are not in a Wi-Fi area/hotspot/whatever and you do not want to connect via USB to a computer then you will need 3G.
I have a K1 but honestly, rarely use the 3G. I have a huge TBR stack (or folder!) and I usually browse online on my PC and "buy" my ebooks...and then download them all at once. So my behavior is perfect for wifi cuz I can do exactly the same and connect via wifi on my network at home or in a hotspot or download to my PC and transfer them.
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