Thanks to everyone who responded. I tried iCab but it didn't work. I think there should be a browser for iPad that works exactly like pretty much all browsers for desktops and laptops... that is, text reflows inside the visible window. This was one of the main ideas behind HTML in the first place. If any developer worries about drawbacks to this approach, then just make the reflow optional. I think this is a critical need for small screen devices like the iPad.
Thanks again for all the help!