If I purchase the Polisy and add the wifi & bluetooth is it exactly the same as the Polisy Pro? 

28 minutes ago, ronbo said:

If I purchase the Polisy and add the wifi & bluetooth is it exactly the same as the Polisy Pro? 

Yes

So what am I missing, why is it cheaper to buy them separately Than already installed?

25 minutes ago, ronbo said:

So what am I missing, why is it cheaper to buy them separately Than already installed?

I'd assume its the same reason why it's cheaper to buy chicken with the skin on it than without it. They're charging for doing the work and putting it together for you. 

It may not be as easy to install WiFi and Bluetooth on a Polisy as it is on a typical Linux box.  If you're experienced with FreeBSD, then you might get it done, but for most folks, no.  

I bought a Polisy Pro, simply so I could turn on WiFi, move the Polisy from it's normal location, placing it close to some installed Z-Wave devices in order to include them into my Z-Wave installation securely.  Normally, my Polisy uses a wired ethernet connection.  For the handful of times I've turned on the WiFi and moved the Polisy close to a Z-Wave device, it was completely worth the few extra $$ to have that capability.

So far, I don't think Bluetooth on Polisy is implemented.