Personally, I'd go for the iPad and ask for a photo album later on down the line. I'd pay for it of course. But this is also coming from someone who has knowledge of Apple products, software, and can construct a tangible album on my own. For the person who isn't tech savvy and couldn't tell you what version of Windows they're running, much less service packs on it to establish compatibility, a little more probing and quite possibly instruction from you may be part of the deal. That would be something to consider if you decide to offer an iPad in place of a tangible album: would you be comfortable giving a mini-lesson in how to utilize it? If you have no problem with spending extra time with a client to do this, then I say go for it. If tutoring is not your speed, you may have to figure out an alternate solution, like having someone else tutor the client.