So if it's my wireless access point what do you suggest I change?
No clue what the best one would be for all your current and future Wi-Fi needs. I personally have always liked Linksys products (now Cisco), other than their power supplies going bad no one I know that uses them had had any problems. I personally use a WR54G, and so does my sister whom just got a 3G iPad and she also has no issues. Have you checked if your running the BIOS on your Netgear? You might want to start a topic on routers/AP's folks use whom are not having Wi-Fi iPad issues if your really want to replace your Netgear router.
I don't have another WiFi spot with me, but generally anywhere I go it seems sluggish. But I didn't download the speedtest app until yesterday so I'll have to reserve judgment until I test it out.
I would try to use a friends or like I said even go to McDonalds, as most of them have free Wi-Fi now. If all else fails AT&T and Apple stores have free Wi-Fi for testing. If all else fails just make that appointment I suggested with an Apple Geninus, they should be ably to test your iPad's Wi-Fi. I also found this other thread today that might be of some help
http://www.ipadforums.net/ipad-help/5127-wifi-connection-slow-unpredictable.html