and also, if jailbreaking 4.1 is a bad idea... then is there a way to downgrade?
not a bad idea at all. if you like to customize your device then it's the thing for you, or, if you simply just want to change your text, email & calendar tones then it's a possibility. i know a lot of people who do it for that reason alone
me, i mainly do it for tones, notifications (lockinfo, notifier, popup blocker etc.) better sms features and tethering. items that Apple continues to ignore with every new OS
honestly, you can spend hours tweaking your device
and, as always, you can just restore the device and go back to the boring vanilla version