An important role of the bass is to clarify the harmony. That usually -- not always, but usually -- calls for landing on the root of any new chord, normally on a strong beat. So landing on the third of a new chord, as you noted, often doesn't sound good.
It's nice to get the seventh in there, though, as it really helps lead into the new chord. But it's not so nice to jump from the seventh of, say, a V7 chord to the root of the I chord. I would recommend working on walk-ups and walk-downs that incorporate the seventh *and* get you smoothly to the root of the next chord. You lose the pure two-beat feel for a moment, but that's very common.
Here's an example, with two measures each of D, G, A, and D.
I've also put in one chromatic approach, to the A chord, but in general, with music like
Banks of the Ohio, I would stay away from half step approaches, they just don't suit the folk style.