Do I have to have an AT&T plan

Would I need an AT&T plan to use Apple iPad with Retina Display 128GB with Wi-Fi AT&T?  I don't want to use the AT&T service right now but want to get one that is capable for the future.  So I was just wondering if it would work with normal wifi without having a sim card or being activated by AT&T.

I concur. None of the iPads WiFi + cellular models requires cellular data plan. You don't have to activate anything and you may buy cellular data when you need it. Leave the SIM card in the device but turn off cellular data and switch on WiFi.
As a side note, if you buy the iPad with T-mobile SIM card, you can get 200MB free every month.

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