>I have never had any issue with turbo cards in my A3000,
never!
Hmmm, I had to hack my A3000 motherboard to take my CPU accelerator. It just worked in my A4000T... :p
As for must-have AGA software, the Toaster 4000 is a bit more advanced than the original Toaster card and uses AGA. Software for that is a good example of what to use AGA for. Beyond that, it's really mostly games support or web browsing in more than 16 colors of ECS. Though anyone doing web browsing on Amiga today most likely has a graphics card that can do more and faster than AGA. Most of the later games could do graphics acrds as well.
If you don't care about any games that are AGA-only and can't work on gfx cards, and you don't care about Video Toaster 4000, then go for whichever offers you the cheaper combination of computer and graphics card.