A lot will depend upon what you are doing. If you're only shooting landscapes with a tripod, for example, then no, you most likely won't need it.
If you ever expect to be in a situation where you cannot use a tripod and/or use a fast enough lens to use a shutter speed fast enough to freeze movement, then yes, you will need one.
You may have a built in flash, but they are no good for anything other than snapshots. Due to their position in relation to the lens, and the very small size, output from them really is terrible, and is why you won't find a built in flash on a professional camera.
Personally, I would say that if you can afford one, get one, and the best you can afford. They may be expensive, but once you have it, it's there if you need it (you may also find more uses for it). It's also a piece of equipment that should last for many years, so its cost will be spread out over time.
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