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I totally agree with wotcars about the focal length , 40 or even 60mm macro's are fine for static objects but you will probably struggle when it comes to insects because you will need to get so close to obtain the 1:1 ratio .
The Tamron 90mm f/2.8 is a great lens and as already stated it wont break the bank , the other thing you need to remember is that any lens without a built in focus motor will not auto focus on your 3100 but it will on your 7000 .
To answer your question about the ring flash , no you don't need one but if you decide to get into macro work in a big way then you can always get one later if you need it .
Mark
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