Data plan limits include WiFi browsing?

I will be picking up my first Ipad soon and feel that 4G could be helpful for me 3 or 4 months out of the year. My understanding is that you can activate and deactivate the 4G plan with Verizon or AT&T on a monthly basis.
There is a note under the the Ipad data plan listings at the Apple Store which states regarding data limits "Includes Wi-Fi browsing; refer to carrier website for terms and conditions". I have had trouble finding these terms on either Verizon or AT&T's website. What exactly does this note mean? I am assuming that using WiFi at home or at another free hotspot does not impact these data limits but find this statement confusing.
Another question would be whether it is possible to turn off 4G on the Ipad itself temporarily so as not to use a cellular signal at all.
I have never had a cellular data plan so hopefully you will excuse my question. The size and features of the Ipad leads me to think it is time to pull the trigger.

250MB per month2
$14.99
View the AT&T coverage map
2GB per month2
$30.00
5GB per month2
$50.00
2GB per month2
$30.00
View the Verizon Wireless coverage map
5GB per month2
$50.00
10GB per month2
$80.00
Includes Wi-Fi browsing; refer to carrier website for terms and conditions.

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