"IPv6 is not even available from most US ISP's - which means most people can't even get IPv6 without going to a fair amount of effort - and even if you do you don't gain much from it."
This is just wrong.
The default mode for IPv6 operation with AirPort Extreme is to use a transition technology (called "6to4") that requires no effort whatsoever on the part of users. If your base station gets a public IPv4 address, i.e. what every major ISP in the world provides to residential and business customers, then it just works— you don't have to do anything— and you get a native global IPv6 prefix on your wireless network.
Some popular P2P applications are starting to use IPv6 where it's available. This will make them work better on some ISP's (and possibly worse on others, where management is actively discouraging customers from using IPv6 transition technologies— I won't name names, because I could get in trouble). If turning off the IPv6 tunnel in AirPort Utility makes your life easier with your ISP, then by all means, go ahead and do it. You probably don't need to know what you might be missing. Turning it off on your Mac in System Preferences is probably pointless.
Summary: it's just not true that it's "a computer geek kind of thing" at all. Your software might be using it right now without you even knowing it. For example, you might discover that turning off IPv6 in System Preferences makes your AirPort invisible in the AirPort Utility? Why? Because IPv4 doesn't support multihoming like IPv6 does, and now your base station can't be reached until you reconfigure your network ports.