What you say you do on your iPad doesn't match what you want to buy. 128GB, cellular, keyboard, and pencil are hardly needed for just web browsing. I can see an argument for cellular but for the sake of making my point let's stick with 32GB Wi-fi only and AppleCare. That's $800 before tax for what meets your needs or about half of the cost of what you said you wanted.
True, but then I don't need to upgrade from my 64GB iPad Air 2.