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You are subject to 3G charges because that is via a cellular phone and we all know cellular accounts cost money, and the 3G account is Amazon's. However, WiFi is using YOUR WiFi account (or a free hotspot account) so no charges are incurred from Amazon since they don't send data over a cellular system to your Kindle. Basically, if you use 3G and Amazon incurs a charge on their account they pass that charge along to you.
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There you go, I work in a Telco environment, where every minute of usage means $$$. Just transfer everything using Wi-Fi.