Hello! I have been searching for a hybrid for about three weeks and I am now thoroughly confused. I am looking for a bike that I can ride mostly on road and paved bike trails (about 80 percent of the time) and on the occasional gravel or packed dirt trail. I know that I will have to rent a mountain bike for single-track rides. I gotten mixed advice about whether I need a bike with a suspension fork, disc brakes, etc. I have tested the Trek 7.2, the Specialized Vita, the Specialized Aerial, a few Giants that I didn't like and the Schwinn Searcher Expert. I liked the 7.2, but felt the bumps a lot - a problem one sales person said could be fixed by lowering the air pressure in the tires. Just FYI - I am 5'1 and 107 pounds.

Any guidance?