This problem isn't caused by missing tab stops; it's that emacs has a (new?) tab method called indent-relative that seems designed to line up tabular data. The TAB key is mapped to the method indent-for-tab-command, which calls whatever method the variable indent-line-function is set to, which is indent-relative method for text mode. I havn't figured out a good way to override the indent-line-function variable (text mode hook isn't working, so maybe it is getting reset after the mode-hooks run?) but one simple way to get rid of this behavior is to just chuck the intent-for-tab-command method by setting TAB to the simpler tab-to-tab-stop method:
(define-key text-mode-map (kbd "TAB") 'tab-to-tab-stop)