I followed kkim's advice, and I now have a bike that is much nicer to ride! She was very 'surgey' especially around 4.5-5 k, which is where I would often find myself on back roads.... she was also unpredictable at starts- bogging and then kicking in, which made me rather nervous... I threw a washer in, and not much trouble after that!
Now that it's gotten cooler, it was starting to have issues again, so we threw on a second washer, and all of my troubles went away.