Jarl is a very good unit. He attacks with lightning in a chain, and his good stats make him a formidable warrior.
Bears... I don't know, they hit weakly, and their ability (paw strike) is useless, although strong melee attacks are not typical for gnomes.
Lava Dragons are only stronger than Necropolis dragons. They can barely compete with Emerald Dragons.
I also don't quite understand what you mean about the dragon...