Not necessarily. this article indicates that some Blackberry models don't have to via the standalone option.
Not having standalone or similar would mean if you unlocked it you might not have any GPS working.
Depends on lots of variables. Nokia's information: http://europe.nokia.com/A4546327 where the charge is data across the network, but the turn by turn my be charged as a subscription I think.
Okay, so why are you willing to pay $500 for what will probably be an average GPS unit? For that kind of money, you could buy a dedicated GPS that would do everything but drive the car for you.
Unless this is a ego thing, I can't see you wasting the money. Wait until you're ready to sign a contract and add the data plan.