I had no problem with the "dork disc" but it was driving me crazy making noise. The manager of my LBS said that after 300 miles (when I had her first tune up) it wasn't going to be a big issue. My old bike didn't have one so I trusted him on this.

I roll up the elastic on one pair of shorts I have. They are a team kit that only came in mens (whatever), so they are too long for this petite gal. I fold them over and they are still grazing the top of my knee.