edit: I'm not familiar with cellular hardware tech. My observation is true for my phone, necessarily, because my 3G reciever is active 100% of the time, and turning on wifi is just turning on another component. If this isn't the case for you, do you turn off your 3/4G while you're in a wifi spot? Does it manager this all automatically?
Do you have your wifi on while you're outside of a wifi spot? If so, how does that not cause a loss in battery life over never having it on?