Thanks JLP for the reply. You and the rest bring up valid reasons to primarily shoot .NEF which is what I intend to do. (My D100 is somewhere between New York and Spokane at the moment)
My original hesitation was primarily because I didn't want to part with the extra $130 for NC3 if I didn't need to. After looking a little closer at NC3 it appears I will need to purchase it to work with .NEF.