Am I missing something? How about a phone? The iPad 2 has all that connectivity, but no phone? Do you want to carry around an iPad plus an iPhone? That's the reason I don't own an iPad.
No, don't put the iPad up against your ear, but use an earbud.
Has anyone gotten Skype to work on an iPad?
Why would you want to pay extra money every month for phone minutes and and SMS messages? Just use iMessage and Skype (Skype has a fully supported iPad app) and you basically have a phone anyway.