A magnetic recording disk with pre-patterned surface features of elevated lands and recessed grooves or trenches, like a discrete-track media (DTM) or bit-patterned media (BPM) disk, has a planarized surface. A multilayered disk overcoat is used to protect the recording layer, and at least one of the overcoat layers functions as a stop layer for terminating a chemical-mechanical polishing (CMP) process that substantially planarizes the disk. All of the layers of the multilayered overcoat are located above the lands, but none of the overcoat layers, or a number of layers less than the number of layers over the lands, is located above the recesses.