At 217 lbs - 120 psi for my 700 x 25's. Have done the exact thing for 10 years.

I have no problems with bone and butt jarring. What kinds of surfaces are you riding (I am 68 years old)? I ride a lot in just nylon shorts with no padding, or wear bibs with minimal padding. Besides, the "padding" is not there for bumps, anyway.