Well, my old bike was just one from Shopko, only had front suspension, and rough roads were jarring but doable at about WOT (27mph), but really rough ones would require me to slow down of course. The new bike I bought off CL, rides like crap even at less than 20mph on rough roads. It has suspension, but it looks very meager, so that's what I blamed some of the crappy ride quality on. But I'm also ditching that whole bike. Found a trek 820 frame in the right size on eBay, so I'm just gonna take the parts that didn't get smashed on my old bike and then finish the rest off w/ parts from a co-op, and a fork from eBay. The front suspension is just for those unexpected potholes. I don't care so much if it's a bumpy ride as long as the bike is/feels under control. I mean I'd occasionally take my old bike off road a bit, and found it to be pretty acceptable.
Question about the balloon tires: do they need to be run at a bit low psi to improve the ride a lot? Or do they improve it even at high psi's? Cuz with 30lbs of battery on the back rack, the one time I let my rear tire get low on air it got a pinch flat from hitting a huge pothole.