I love my Vita so I'm willing to over look it, but I totally understand why it turns ppl off, especially since there are tons of games only thru psn. My advice to U If money is a factor is to wait for sales. I got both my 16 gb memory cards for $20 each from GameStop during Black Friday.
Also, the best way to go is to buy a 64gb card straight from Japan. You can get one for $75 from Nippon-yasan.com which is the best price that I could find.