I'm a newbie myself, but I can think of a couple of ways to try this. Doesn't necessarily mean they're the best ways to do it, but this is what I would try:
1) You could add code to the OnChange event for the radio button that would add in the VAT or remove it, depending on which option was clicked.
2) You could have a hidden field (set the width to zero) that contains the VAT. Give it a default of 0, and include the value in that field in your total calculation. I think you can set a rule on the radio buttons to change the value of that field when the proper option is selected.
Hope that helps!
ETA -- I prefer option 2. I think there is less opportunity to mess up your total that way.