If you can afford the 100$ easily, buy the Pencil.
But in my opinion, if you don't sketch or draw on the ipad, it is a useless tool.
Mostly, data today is digitally transfered. Taking notes is faster, more efficient and more readable if you just write it on the Smart Keyboard (or any keyboard on iPad).
A college student would be very pleased by the Pencil (because it makes sense there, for example writing mathematical/chemical... formulas).
From my perspective, as a Technical Consultant, I rarely use the Pencil in my job. I use it more privately, when reading papers (highlighting, annotating ...)
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