I have a "Type"-style (the same sort the Pro 3 uses) purple cover for my Pro 2. I paid $58 for it on Amazon. I actually wanted purple but I could've gotten a pink one even cheaper. Would I take a refurbished keyboard? No question that I would. We use other people's keyboards all the damned time, especially those of us who have an IT support component to our jobs (or for that matter anyone who has ever used an ATM). Am I looking places besides major retailers? No I am not. If you can't find one at a significant discount, you probably shouldn't be buying anything over the internet.
The Surface keyboard is entirely optional. I don't completely love the Windows on-screen keyboard, though it's a damned-sight better than the one Apple ships with iOS (Apple is either not a big fan of basic literacy or thinks letters should always be displayed in uppercase regardless of the state of the shift key). In practice I've found that I don't use it much because my Surface Pro more as a very capable mobile device than as something for real work, but I have powerful desktops and a good laptop available to me as well.
Speaking to the quality of Apple's input devices specifically, I find the lack of key travel and mildly idiosyncratic layout on Apple's own branded keyboards uncomfortable for serious typing in exactly the same way the Surface Type-style keyboard is. I also question the ergonomics of the palmrests on its notebooks and the insistence on comically oversized touchpads as input devices. I wouldn't exactly say either option is without compromise.