Tokolosh, the Jamis is harsher? It's a steel frame so it should be smoother unless your old bike had a suspension. As for the disc brakes, while you wait to upgrade, I suggest replacing the brake pads w/ Koolstops. I have Koolstop salmons and they work great in the rain and when it's dry. And if you need to smooth out the ride, a suspension seat post and a comfy women's saddle might be in order.