A:AnswerNo it is nor. You have to purchase separately. Also, make sure you get the correct one that works with the ipad you are purchasing. Some are not compatible
A:AnswerNo built in card reader but it may be possible to plug an external sd card reader into the usb-c port. Alternatively the device can be synced to iCloud encrypted storage for a monthly fee.
A:AnswerThe A16 is a previous Iphone software and the M3 chip is macbook software. M3 is obviously faster at everything but the A16 handles its own just fine.