If you can't afford it, don't buy it. A computer isn't worth going into financial problems. However, if you have the extra $100-200 to spend, definitely go for the high res. I'd even suggest the antiglare, but that's up to preference. With regards to the SSD, there are some conflicting opinions. It's definitely a good value, and the Toshiba SSDs Apple uses are decent. However, they are not the fastest SSDs around, and some people here think OWC, Intel, and/or OCZ provide better SSDs overall. Personally, I already own an Intel, but opted for the $90 SSD simply due to the value, and the extra support from Apple I would get with it.So the 128GB upgrade is only $90 from education store and also the high res display. Is it worth it to upgrade for an already expensive machine? I am talking 2k here. That 2k can feed my family for 3 months.
It actually sounds like a 13" + display would suit you better. You don't seem to need much power at all in the computer.I am a student and I use my computer for microsoft word, facebook twitter, and powerpoint presentation. I also like to watch youtube videos in HD and also instant message.
Even the 13" MBA with a display would suit you just fine. None of the Applications you named need any more power than an 11" MBA can provide already. Of course, I apologize for trying to talk you out of something you seem to have already decided.But the 13 inch doesn't have the ability to upgrade to HR screen. I hate the resolution for the 13 inch.