The iPad has no file browser. There’s no way to aggregate online services like Dropbox and MobileMe in one place by default. The iPad has no visible file structure to let users create folders, move files around, create new files in specific locations.
Still, is it enough to not come up with an app that overrides Apple’s limitations and allows you to build your own file browser? An app that is capable of collecting online services in a single interface, enabling you to download files from the internet and achieve a pretty good cloud-based workflow?
Actually, there are some apps with these features in the App Store, and I’ve tried many of them. Air Sharing HD is probably one of the best around, at least I used to believe until I stumbled upon the first release of iFiles for iPad.