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* The ''Literature/SinisterSixTrilogy'' features this from the main villain, the Gentleman, in his dealings with the Sinister Six; after evading law enforcement all his life, the Gentleman [[spoiler:is finally defeated because he underestimates the Chameleon and Doctor Octopus, believing that he could always see through the Chameleon's disguises and that he had the perfect means to control Octavius, only to be shot by the Chameleon just before Doc Ock reveals that he had already deduced how the Gentleman intended to betray them]].

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* The ''Literature/SinisterSixTrilogy'' ''Literature/SpiderManSinisterSixTrilogy'' features this from the main villain, the Gentleman, in his dealings with the Sinister Six; after evading law enforcement all his life, the Gentleman [[spoiler:is finally defeated because he underestimates the Chameleon and Doctor Octopus, believing that he could always see through the Chameleon's disguises and that he had the perfect means to control Octavius, only to be shot by the Chameleon just before Doc Ock reveals that he had already deduced how the Gentleman intended to betray them]].

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* In ''Literature/AmIActuallyTheStrongest'', part of Haruto's NewLifeInAnotherWorldBonus is massive magical aptitude, but the world he reincarnates it cannot properly calculate his magic reserves, leading to instruments giving him a power reading of 2 when he's actually 1002.


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* Firo Prochainezo from ''Literature/{{Baccano}}'' is one of the Martillo family's top fighters, second only to Ronnie ([[spoiler:who's more or less an ''EldritchAbomination'']]). He also a small, baby-faced pretty boy that looks so harmless that ''children'' think they can take him on without much trouble. Czeslaw finds this amusing.
* Rein of ''Literature/BeastTamer'' gets booted from the Hero's party for his lack of combat ability, only for him to discover the full potential of his talents as TheBeastmaster, while the rest of the party [[RemovingTheCrucialTeammate discover the hard way]] how much they had been dependent on his skills as the SupportPartyMember.


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* ''Literature/ACertainMagicalIndex'':
** Mikoto Misaka is the third strongest esper in Academy City, and everyone knows about her, yet for some reason delinquents frequently try to hit on her, generally resulting in them getting electrocuted. In fact, in the first scene of the first episode of the anime the main character is running from delinquents that he got to chase him because they approached her carelessly. In the end, she still zapped them. Made even worse by the fact that she's always wearing the uniform of a highly prestigious school known to only accept espers of Level 3 or higher, and is the only facility in the city to boast ''two'' Level [=5s=] among its students, so anyone wearing that uniform is likely not someone to be trifled with.
** There are only seven Level 5 espers in Academy City. Each is a OneManArmy and the stronger ones like Accelerator, Dark Matter, Railgun and Meltdowner are an outright [[PersonOfMassDestruction Persons of Mass Destruction]]. One would think that punks would get their photographs and avoid any of them at all costs but no, if you thought trying to punch out [[ShockAndAwe Mikoto]] was bad, there are [[TooDumbTolive idiots]] who try to attack [[AxCrazy Accelerator]]!
** It only gets worse from there. Later in the series, {{God}} (yes that one) is [[SerialEscalation somewhere around the]] ''fifth'' strongest entity in the series, and the ones stronger than he/she/it are severely underestimated. Like that one time [[PersonOfMassDestruction Accelerator]] ([[OvershadowedByAwesome not on that exclusive stronger than God list]]) tried to attack [[PhysicalGod Aiwass]] (the strongest entity in the series). Aiwass' ''passive defenses'' would have killed him in his SuperMode. To give a comparison of their powers, Accelerator is to Aiwass what your average Level 1 is to Accelerator.
** A lot of villains end up underestimating Touma Kamijou. Of special note is Rensa. Since she had never heard of him, when he shows up to stop her, she dismisses him as some street punk pretending to be a hero to act cool. Never mind the fact that by the time they meet, Touma's already battled the Dark Side of Academy City and multiple magic factions several times and stopped WorldWarIII. She doesn't take it well when he easily wards off her attacks and creams her with ease.


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* Many groups in ''Literature/DemonKingDaimao'' seem to have Akuto in the sights of their manipulations, and casually talk about pushing him aside or disposing of him or some such, which would be incredibly stupid considering his "Demon Lord" status. And this isn't even getting into those dumb thugs that tried to pick a fight with him and instead ended up with broken limbs.


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* ''Literature/{{Durarara}}'''s Shizuo Heiwajima, Ikebukuro's resident [[RedBaron God of Destruction]], doesn't particularly look like the sort of person who would ([[MusclesAreMeaningless or even could]]) uproot vending machines and beat people half to death with them when he's not actively doing so. Thus, many people don't realize that it's a bad idea to pick a fight with the skinny guy in a bartender suit until it's far too late.


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* A recurring problem in ''Literature/GoblinSlayer''. Goblins are seen as a low priority, domestic threat by the adventurers, frequently leaving the job of killing them to newbie adventurers looking for an "easy" first quest. Many of these newbies learn ([[SurprisinglyRealisticOutcome if they survive in fact]]) that the Goblins are [[ItCanThink smarter than people give them credit for]]. Not by much, but clever and devious enough to tear inexperienced adventurers to bits.


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* Tatsuya, the protagonist of ''Literature/TheIrregularAtMagicHighSchool'', has no magical capability which gets him looked down upon by most other students with magical aptitude, but he compensates with his talent for creating magical devices that let him beat other magicians.


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* This trope leads to ''nearly every'' fatality featured in ''Literature/JuniTaisenZodiacWar'', because ''almost every'' participant is so short-sighted that they can't see that their opponent might have something up their sleeve:
** Boar was so preoccupied thinking about a way to easily dispatch Rabbit that [[spoiler:it opened up a blind spot while she was mentally preoccupied, and she dies unceremoniously when Snake's corpse grabs her from behind, giving Rabbit an opening to plant a knife in her chest]].
** Dog thought Rooster wasn't worth much physically or mentally, but he needed a distraction for Rabbit, so he dopes her up on a strength inducing poison. [[spoiler:She immediately crushes his skull after getting the dosage.]]
** Rooster thought she could fight on par with Ox due to her newly enhanced strength. [[spoiler:He quickly stabs her through the eyes before she knew what hit her.]]
** Monkey thought she could easily subdue and restrain Rabbit because the latter was not a trained fighter. [[spoiler:She did not realize that Rabbit could use Snake's severed head as a camera to see his blind spots, and thus, Rabbit was able to stab her when she tried to get behind him to incapacitate him.]]
** Sheep witnessed Tiger sitting on a bench and downing mass amounts of alcohol, causing him to view as nothing more than an incoherent drunk and the weakest of the fighters. [[spoiler:He's forced to eat his words after she shreds him apart with her nails.]]
** Horse thought that Snake's corpse could not use its abilities and weaponry, and thus decides to ignore a warning from Rat that said corpse might come to the bank he was hiding in. [[spoiler:He meets his end when Snake's corpse, looking for Rat, torches the bank with Horse inside, causing him to suffocate from oxygen deprivation.]]
** Snake dismissed Rabbit as a threat due to his bizarre behavior, and thus let his guard down around the latter when he detects Monkey planting explosives underneath the floor. [[spoiler:When he tries to warn Dragon, it creates an opening for Rabbit to decapitate him.]]
** Dragon thought he was untouchable because he could fly beyond the detection of the other fighters, and focused all his attention on Snake's corpse fighting Ox and Tiger. [[spoiler:This caused him to forget that Rabbit and Monkey's corpse are probably nearby. As such, when he tries to ambush Ox and Tiger, he left himself open to be distracted by Monkey tossing Snake's head at him, giving Rabbit an opportunity to bisect him at the waist when he also gets thrown to Dragon's altitude by Monkey.]]
** Rabbit initially ''seems'' to play this straight when he confronts Ox and Tiger on his own despite their superior combat prowess and predictably gets hacked to pieces by them. However, he averts this [[spoiler:as he committed suicide just before Ox and Tiger manage to touch him, which enables [[{{Necromancy}} his power]] to work on his corpse, just as he had planned]].
** After hacking Rabbit to pieces, Tiger and Ox were so focused on their promised duel that they overlooked the fact Rabbit committed suicide just before confronting them. As such, [[spoiler:they did not notice that Rabbit could use his power on his own corpse until he managed to fatally wound Tiger by stabbing her InTheBack]].
** Ox was so focused on the reanimated Rabbit's [[HumanoidAbomination grotesque appearance]] that he did not realize the corpse's bizarre shape was designed to hide a reanimated Monkey inside itself. [[spoiler:He pays for this lapse when Monkey's corpse bursts out of Rabbit and manages to restrain him, necessitating a MercyKill from Rat to prevent him from being reanimated himself.]]
** Rat completely averts this trope due to [[{{Seers}} his ability]] giving him foreknowledge of what every other participant is capable of, and as such, knew to stay out of everyone else's way. [[spoiler:This ultimately wins him the Zodiac War.]]


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* Might as well be a running gag in ''Literature/LordMarksmanAndVanadis''. Someone scoffs at Tigre for using a bow or him intending to make a ridiculous shot, [[ImprobableAimingSkills he actually does it.]] Happens all the time.


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* [[ZigZaggingTrope Zig-zagged]] in ''Literature/RebuildWorld''. People can hardly believe that Akira's a highly ranked hunter because of his youth and size. When he's allowed to unwind, he's able to act like a perfectly ordinary boy right up to the point that he's threatened and pulls a gun on someone. In truth, he's not nearly as skilled or talented as his feats suggest, as so much of his success is tied to [[VirtualSidekick Alpha's support]]. Thus, others judging him to be nothing special in person is accurate up to the point that Alpha helps him out. Later on, there is TheReveal that [[spoiler:as a side effect of his condition which allows him to see the InvisibleToNormals Alpha, he unconsciously transmits his feelings into others, and that this messes with their evaluations of him.]]


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* In ''Literature/TheRisingOfTheShieldHero'', nearly everyone (particularly his fellow Legendary Heroes) looks down on Naofumi Iwatani, the Legendary Hero of the Shield, because his shield makes him weak at fighting. That shield actually turns him into a StoneWall capable of tanking pretty much any attack, allows him to become an excellent support for his party and gives him the means to support himself, becoming the strongest of the Legendary Heroes soon enough -- and that's without taking into account the [[SuperpoweredEvilSide Cursed Shield]]...


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* ''Literature/{{Shimoneta}}'': It may not be apparent at first, but Oboro has his job [[BunnyEarsLawyer for a reason]]:
** After his first inspection of Tokioka Academy, Ayame and Tanukichi assume he's no threat to SOX's operations. But the following day, Oboro begins [[BeatThemAtTheirOwnGame drafting students SOX had taught]] about lewd material, as part of his [[MoralGuardians Prefect Squad.]] Under his leadership, they become so efficient that they locate nearly all of SOX's hidden porn caches within a week's time and confiscate them.
** Oboro's second duty is to protect the Nishikomiya's daughter, Anna. While her father, Matsukage, has absolute faith in Oboro's ability, his wife has no confidence in him at all. So when they learn Anna had become involved in a hostage situation, it prompts the following exchange:
--->'''Sophia:''' Tell me you're joking! Why is Anna there with those terrorists??\\
'''Matsukage:''' ''(smirks and steeples fingers)'' Calm down, dear.\\
'''Sophia:''' Huh?\\
'''Matsukage:''' I'm sure she's just gathering intel. Oboro is with her.\\
'''Sophia:''' ''(angrily)'' Do you really think that clueless dummy can protect our little girl?!\\
''(scene immediately shifts, showing Oboro [[SuperSpeed sprinting down the hall]] [[BigDamnHeroes to Anna's rescue]])''


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* ''Literature/TheStrongestSageWithTheWeakestCrest'' sets this entire trope up due to Demons infiltrating the upper ranks of the education system and altering the way magic is taught in an EntertaininglyWrong way as part of a scheme to weaken humanity's magic prowess. Thus, the protagonist who bears what his peers assume to be the titular weakest crest, actually bears the crest which is best suited to combat, so he gets consistently underestimated by his opponents before he trounces them in a fight.
* In ''Literature/SupposeAKidFromTheLastDungeonBooniesMovedToAStarterTown'', we have Lloyd, the titular protagonist who's seen as the "weakest" person in his home village Kunlun, a town of (supposed) legend consisting of descendants of ancient heroes. To anyone outside his village however, he's a OneManArmy whose abilities far surpass anyone else's, and is able to oneshot most problems. However, because of his village's view of him, [[AchievementsInIgnorance he doesn't pick up on how strong he truly is]] outside of his village and [[HeroicSelfDeprecation believes he isn't special]] compared to the other villagers whose abilities exceed his in power, strength, and magic potential. For this reason, [[IJustWantToBeBadass he wants to become a soldier]], as they're seen as brave and strong, [[IdiotHero completely unaware]] that the already has these traits.
* In ''Literature/SwordArtOnline'', this happens to Kirito a lot in Volumes 2–7, though it's justified as Volume 2 involves interactions with people who haven't heard of him, and in ALO and GGO, he doesn't have the same rep he had in SAO and is an unknown quantity. Ironically, the top-level players in ALO know who he is, but the middle to lower players have never heard of him.
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** In the attack on Xyrus, Lucas assumes he has surpassed Arthur due to elixir he drinked given to him by the radicals. However, Arthur reveals his dragon will and Quadra elemental powers with two deviant then procceds to end Lucas with a CruelAndUnusalDeath.
** In the Victoriad,[[spoiler:Nico is confident he can kill Arthur and Cadell says he is just a dead man. However Arthur cripples Nico in a SingleStrokeBattle nonchantly and challenges Cadell then Cadell accepts but Arthur cuts all his attacks like nothing much to Cadell's dismay and burns Cadell with the Destruction Rune to ash then escaping into Dicathen from Agrona and the Legacy in front of all Alacrya.]]

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** In the attack on Xyrus, Lucas assumes he has surpassed Arthur due to elixir he drinked given to him by the radicals. However, Arthur reveals his dragon will and Quadra elemental powers with two deviant then procceds to end Lucas with a CruelAndUnusalDeath.
CruelAndUnusualDeath.
** In the Victoriad,[[spoiler:Nico Victoriad,[[spoiler: Arthur's rematch with Nico and Cadell, Nico is confident he can kill Arthur and Cadell says he is just a dead man. However Arthur cripples Nico in a SingleStrokeBattle nonchantly and challenges Cadell then Cadell accepts but Arthur cuts all his attacks like nothing much to Cadell's dismay and burns Cadell with the Destruction Rune to ash then escaping into Dicathen from Agrona and the Legacy in front of all Alacrya.]]
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** In the Victoriad,[[ spoiler:Nico is confident he can kill Arthur and Cadell says he is just a dead man. However Arthur cripples Nico in a SingleStrokeBattle nonchantly and challenges Cadell then Cadell accepts however Arthur cuts all his attacks like nothing much to Cadell's dismay and burns Cadell with Destruction Rune then escaping into Dicathen from Agrona and the Legacy in front of all Alacrya.]]

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** In the Victoriad,[[ spoiler:Nico Victoriad,[[spoiler:Nico is confident he can kill Arthur and Cadell says he is just a dead man. However Arthur cripples Nico in a SingleStrokeBattle nonchantly and challenges Cadell then Cadell accepts however but Arthur cuts all his attacks like nothing much to Cadell's dismay and burns Cadell with the Destruction Rune to ash then escaping into Dicathen from Agrona and the Legacy in front of all Alacrya.]]

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* ''Literature/TheBeginningAfterTheEnd'': In volume 10,[[spoiler: During the battle for vildorial, One of the Scythes Viessa Vritra confronts lance Varay Aurae and tells her it is all over as Bairon Wykes will finished by Melzri and Arthur will not save her as she was confident Arthur will be killed by the Wraiths but to their surprise Arthur returns after killing the wraiths and destroyed a military camp in Vechor then he tells them that Agrona Vrita has exhausted his patience and to leave or else to which she did bowing before retreating alongside Melzri indicating their respect for Arthur despite being enemies.]]

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* ''Literature/TheBeginningAfterTheEnd'': This happens with Arthur many times.
**
In the attack on Xyrus, Lucas assumes he has surpassed Arthur due to elixir he drinked given to him by the radicals. However, Arthur reveals his dragon will and Quadra elemental powers with two deviant then procceds to end Lucas with a CruelAndUnusalDeath.
**In the Victoriad,[[ spoiler:Nico is confident he can kill Arthur and Cadell says he is just a dead man. However Arthur cripples Nico in a SingleStrokeBattle nonchantly and challenges Cadell then Cadell accepts however Arthur cuts all his attacks like nothing much to Cadell's dismay and burns Cadell with Destruction Rune then escaping into Dicathen from Agrona and the Legacy in front of all Alacrya.]]
**In
volume 10,[[spoiler: During the battle for vildorial, One of the Scythes Viessa Vritra confronts lance Varay Aurae and tells her it is all over as Bairon Wykes will finished by Melzri and Arthur will not save her as she was confident Arthur will be killed by the Wraiths but to their surprise Arthur returns after killing the wraiths and destroyed a military camp in Vechor then he tells them that Agrona Vrita has exhausted his patience and to leave or else to which she did bowing before retreating alongside Melzri indicating their respect for Arthur despite being enemies.]]
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* ''Literature/TheBeginningAfterTheEnd'': In volume 10,[[spoiler: During the battle for vildorial, One of the Scythes Viessa Vritra confronts lance Varay Aurae and tells her it is all over as Bairon Wykes will finished by Melzri and Arthur will not save her as she was confident Arthur will be killed by the Wraiths but to their surprise Arthur returns after killing the wraiths and destroyed a military camp in Vechor then he tells them that Agrona Vrita has exhausted his patience and to leave or else to which she did bowing before retreating alongside Melzri indicating their respect for Arthur despite being enemies.]]

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** The Lord Ruler himself gets this, despite being the immortal despot of the known world. He very rarely uses his abilities openly, and even when he does, doesn't use them to anything like their full potential. Kelsier's plan to depose him treats him almost exactly like a regular man who happens to be in charge of the government, save an offhand suggestion that because he's immortal they'll have to lock him up instead of executing him. Only after their uprising has begun do they comprehend he's entirely capable of slaughtering the entire rebellion singlehandedly.

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** The Lord Ruler himself gets this, despite being the immortal despot of the known world. He very rarely uses his abilities openly, and even when he does, doesn't use them to anything like their full potential. Kelsier's plan to depose him treats him almost exactly like a regular man who happens to be in charge of the government, save an offhand suggestion that because he's immortal they'll have to lock him up instead of executing him. Only after their uprising has begun do they comprehend he's entirely capable of slaughtering the entire whole rebellion singlehandedly.


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** Oberyn Martell's death comes when he makes the mistake of assuming that being repeatedly stabbed, knocked prone, and having a poisoned spear embedded in his stomach is enough to incapacitate Gregor Clegane, and comes close enough for Clegane to get his hands on him.
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** In the licensed spin-off novel ''Master of Lies'' by Philip Purser-Hallard, which depicts Holmes and Watson investigating a group of forgers, at one point the forgers dispatch some of their men with the goal of killing Watson and framing Holmes for it by leaving a manuscript allegedly written by Watson that will depict an altered version of their current case. Not only does Watson manage to put up a good fight against the two criminals, but they are also taken by surprise by Mrs Hudson, Holmes and Watson's landlady, she and Watson observing that Watson doesn't give her enough credit in his published tales.
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** So there's this guy. He's a tall but gangly fellow, looks [[PermaStubble perpetually unshaven]], [[BadassLongcoat wears a big coat]] and walks around with a [[SimpleStaff big stick]] and generally seems like a scruffy, weird sort, but is otherwise not really all that much of a threat. A great many people, both {{Muggle}} and supernatural, consider him to just be some freaky guy with eclectic fashion sense. Except this guy's name is Harry Blackstone Copperfield Dresden, titular character of ''The Dresden Files''. Conjure by it at your own risk. After all, this is the man who has taken on all kinds of supernatural beings and survived every encounter. [[spoiler:He killed a Faerie Queen, stared down and nearly killed [[PersonOfMassDestruction Nicodemus Archleone]]- ''twice'', reanimated a ''dinosaur'' and marched it through the streets of Chicago, and annihilated the entire Red Court of vampires [[PapaWolf because they took his daughter]]]]. The supernatural types eventually start [[TheDreaded coming to realize how dangerous he is]], but the {{muggles}}? Not so much.

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** So there's this guy. He's a tall but gangly fellow, looks [[PermaStubble perpetually unshaven]], [[BadassLongcoat wears a big coat]] and walks around with a [[SimpleStaff [[MartialArtsStaff big stick]] and generally seems like a scruffy, weird sort, but is otherwise not really all that much of a threat. A great many people, both {{Muggle}} and supernatural, consider him to just be some freaky guy with eclectic fashion sense. Except this guy's name is Harry Blackstone Copperfield Dresden, titular character of ''The Dresden Files''. Conjure by it at your own risk. After all, this is the man who has taken on all kinds of supernatural beings and survived every encounter. [[spoiler:He killed a Faerie Queen, stared down and nearly killed [[PersonOfMassDestruction Nicodemus Archleone]]- ''twice'', reanimated a ''dinosaur'' and marched it through the streets of Chicago, and annihilated the entire Red Court of vampires [[PapaWolf because they took his daughter]]]]. The supernatural types eventually start [[TheDreaded coming to realize how dangerous he is]], but the {{muggles}}? Not so much.
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* In ''Literature/AHatFullOfSky'', when the Feegles explain to Miss Level about how hivers are drawn to powerful minds, she's baffled as to why it would want ''Tiffany'' -- why, she can't even make a shamble! Once the hiver takes over, however, it rapidly becomes clear that, [[TheUnfettered uninhibited by things like morality and concern for consequences]], Tiffany has the potential to be extremely powerful indeed -- and also extremely dangerous [[spoiler:and deadly]], both to herself and to everyone else.

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* ** In ''Literature/AHatFullOfSky'', when the Feegles explain to Miss Level about how hivers are drawn to powerful minds, she's baffled as to why it would want ''Tiffany'' -- why, she can't even make a shamble! Once the hiver takes over, however, it rapidly becomes clear that, [[TheUnfettered uninhibited by things like morality and concern for consequences]], Tiffany has the potential to be extremely powerful indeed -- and also extremely dangerous [[spoiler:and deadly]], both to herself and to everyone else.
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More or less copypasted from the main page.

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* In ''Literature/AHatFullOfSky'', when the Feegles explain to Miss Level about how hivers are drawn to powerful minds, she's baffled as to why it would want ''Tiffany'' -- why, she can't even make a shamble! Once the hiver takes over, however, it rapidly becomes clear that, [[TheUnfettered uninhibited by things like morality and concern for consequences]], Tiffany has the potential to be extremely powerful indeed -- and also extremely dangerous [[spoiler:and deadly]], both to herself and to everyone else.
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*** In the next book, ''Flag in Exile'', she gutted and decapitated a trained swordsmen in one movement after having only spent a few months learning the sword, in part because her opponent was in the mindset of winning swordsmanship tournaments, not killing opponents. This was a few hours after she'd survived a crash after her shuttle had been shot down, had barely escaped armed gunmen trying to finish the job, and looked like she should be in a hospital, not a duel.

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*** In the next book, ''Flag in Exile'', she gutted and decapitated a trained swordsmen swordsman [[SingleStrokeBattle in one movement movement]] after having only spent a few months learning the sword, in part because her opponent was in the mindset of winning swordsmanship tournaments, not killing opponents. This was a few hours after she'd survived a crash after her shuttle had been shot down, had barely escaped armed gunmen trying to finish the job, and looked like she should be in a hospital, not a duel.

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He doesn't underestimate him just because he talks smack about him. He knows exactly how dangerous the man is, which is why he starts making preparations weeks before he has to fight him, like not taking part in protecting the group against Gromlins because he knows he can't do that and protect against him. The pair have pussy-footed around each other for centuries until their fight, and long before they confront each other Belgarath is warning Pol that she needs to stay out of it as much as possible. It's acknowledged before the fight even begins that there's no way to know who will win a straight fight. He makes it clear to Garion at one point that there's a reason why they use insulting language about him, but it's clear that he knows how dangerous the fight will be.


* Belgarath spends most of ''Literature/TheBelgariad'' talking smack about the BigBad Torak's high priest Ctuchik, all but outright calling him a two-penny warlock with delusions of adequacy. However, when forced into a magical duel with Ctuchik, the two are extremely evenly matched (it's worth mentioning that Belgarath is widely considered the world's most powerful sorcerer, a master of several other magical disciplines, [[TimeAbyss over seven thousand years old]] and Ctuchik's religion's {{Satan}}-analogue). Belgarath only wins thanks to Ctuchik's firm grasp on the VillainBall, and even then he is left severely weakened and near-dead by the ordeal.
** Belgarath himself has been underestimated multiple times. More than a few people have concluded that the slovenly old man with the mismatched clothes and the faint aroma of cheap beer isn't going to be a problem for them. Some of these people are lucky; they get to live.

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* ''Literature/TheBelgariad'': Belgarath spends most of ''Literature/TheBelgariad'' talking smack about the BigBad Torak's high priest Ctuchik, all but outright calling him a two-penny warlock with delusions of adequacy. However, when forced into a magical duel with Ctuchik, the two are extremely evenly matched (it's worth mentioning that Belgarath is widely considered the world's most powerful sorcerer, a master of several other magical disciplines, [[TimeAbyss over seven thousand years old]] and Ctuchik's religion's {{Satan}}-analogue). Belgarath only wins thanks to Ctuchik's firm grasp on the VillainBall, and even then he is left severely weakened and near-dead by the ordeal.
** Belgarath himself
has been underestimated multiple times. More than a few people have concluded that the slovenly old man with the mismatched clothes and the faint aroma of cheap beer isn't going to be a problem for them. Some of these people are lucky; they get to live.
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Removing flamebait.


** But, to win a Crowning Moment of Underestimation... you have to beat Kraznys mo Nakloz, a Good Master of Astrapor, for his underestimation of Daenerys Targaryen. Repeatedly insulting somebody you should very well know for a fact is descended from an exiled branch of Valyrian Dragon Lords in a derivative of the Valyrian language over several days is... [[{{Jerkass}} a bit crass]], but kind of understandable. They were the historical masters of your city and you hate them, so getting your digs into one of their few remaining descendants makes a little sense. Convincing yourself, however, that this mere slip of a girl without much visible backup won't be able to understand you or the nature of the very dragon you hope to gain in trade is... [[WhatAnIdiot dumb]]. Handing her the army of invincible, obedient slaves in the middle of your (now) poorly defended city ''before'' full receipt (and control or containment) of the mobile [[BullyingADragon flame-thrower whose chain you're very busy yanking]] (literally)? And, um... you were calling ''her'' stupidly new, uncultured and unschooled in this whole tactical negotiation thing, [[TooDumbToLive Mr. Charcoal Briquette]]?

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** But, to win a Crowning Moment of Underestimation... you have to beat Kraznys mo Nakloz, a Good Master of Astrapor, for his underestimation of Daenerys Targaryen. Repeatedly insulting somebody you should very well know for a fact is descended from an exiled branch of Valyrian Dragon Lords in a derivative of the Valyrian language over several days is... [[{{Jerkass}} a bit crass]], but kind of understandable. They were the historical masters of your city and you hate them, so getting your digs into one of their few remaining descendants makes a little sense. Convincing yourself, however, that this mere slip of a girl without much visible backup won't be able to understand you or the nature of the very dragon you hope to gain in trade is... [[WhatAnIdiot dumb]].dumb. Handing her the army of invincible, obedient slaves in the middle of your (now) poorly defended city ''before'' full receipt (and control or containment) of the mobile [[BullyingADragon flame-thrower whose chain you're very busy yanking]] (literally)? And, um... you were calling ''her'' stupidly new, uncultured and unschooled in this whole tactical negotiation thing, [[TooDumbToLive Mr. Charcoal Briquette]]?
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* Midway through ''Literature/GideonTheNinth'', Judith Deuteros challenges the [[TheSmartGuy Sixth House]] to a duel to make an example of them, and ''everyone'' thinks they're about to see a soldier beat up a librarian. Camilla the Sixth swiftly proves that her House is not to be underestimated.

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* ''Literature/TheLockedTomb'': Midway through ''Literature/GideonTheNinth'', Judith Deuteros challenges the [[TheSmartGuy Sixth House]] to a duel to make an example of them, and ''everyone'' thinks they're about to see a soldier beat up a librarian. Camilla the Sixth swiftly proves that her House is not to be underestimated.
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** Treecats in general, look like cute little pets and turn out to be furry little buzzsaws
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* ''[[Literature/ChrysalisRinoZ Chrysalis]]'': Sylvan sees the Colony approaching and assumes that it's a golden opportunity for his mercenaries to massacre thousands of low-stat, low-biomass monsters for the XP, and harvest rare cores from the two big ones. This would have been a very risky strategy even with a regular ant swarm, but he might have been less confident if he had realised that every single one of the incoming ants is at least tier 3 with extensive mutations. Fortunately for him, he's ''so'' overmatched that he's quickly and easily disabled without killing him.
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* Many people in ''Literature/SixOfCrows'' underestimate the main crew. ''Everyone'' seems to underestimate Kaz, despite his well earned moniker Dirtyhands, from Geels to Jan Van Eck to Pekka Rollins. A few of the Ice Court guards dismiss Inej- until she easily slips out of their grasps. And ''everyone'' underestimates Wylan for most of the books.
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* ''Literature/CodexAlera'': Anyone who gets in a fight with [[BadassAbnormal Tavi]] quickly learns, much to their cost, that lacking access to [[ElementalMagic Furycrafting]] does ''not'' make him an easy target; quite the opposite, in fact, because having to get by ''without'' Furies to help him out [[HadToBeSharp forced him to rely on his wits instead]]. Tavi's knack for improvisation and out of the box thinking ends up saving the day at least once per book. [[spoiler:And then it turns out [[TheCallPutMeOnHold his furycrafting abilities are simply manifesting late]]...]]

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* ''Literature/CodexAlera'': Anyone who gets in a fight with [[BadassAbnormal Tavi]] quickly learns, much to their cost, that lacking access to [[ElementalMagic [[ElementalPowers Furycrafting]] does ''not'' make him an easy target; quite the opposite, in fact, because having to get by ''without'' Furies to help him out [[HadToBeSharp forced him to rely on his wits instead]]. Tavi's knack for improvisation and out of the box thinking ends up saving the day at least once per book. [[spoiler:And then it turns out [[TheCallPutMeOnHold his furycrafting abilities are simply manifesting late]]...]]
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** The Lord Ruler himself gets this, despite being the immortal despot of the known world. He very rarely uses his abilities openly, and even when he does, doesn't use them to anything like their full potential. Kelsier's plan to depose him treats him almost exactly like a regular man who happens to be in charge of the government, save an offhand suggestion that because he's immortal they'll have to lock him up instead of executing him. Only after their uprising has begun do they comprehend he's entirely capable of slaughtering the entire rebellion singlehandedly.

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** Belgarath himself has been underestimated multiple times. More than a few people have concluded that the slovenly old man with the mismatched clothes and the faint aroma of cheap beer isn't going to be a problem for them. Some of these people are lucky; they get to live.



** This is how Mustrum Ridcully became Archchancellor of Unseen University in ''Literature/MovingPictures''; the other wizards needed a break from the rampant KlingonPromotion going on, and decided that a 7th-level wizard who went out to live in the countryside should be the right choice. They figured that as a 'country-man', he was one of those animal-loving softies and therefore very easy to get rid of once the time had come. Unfortunately, Ridcully turns out to be a BoisterousBruiser of wizards, and very much ''un''killable. However, most people, particularly Ponder Stibbons, underestimate how ''smart'' Ridcully can be.

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** This is how Mustrum Ridcully became Archchancellor of Unseen University in ''Literature/MovingPictures''; the other wizards needed a break from the rampant KlingonPromotion going on, and decided that a 7th-level wizard who went out to live in the countryside should be the right choice. They figured that as a 'country-man', he was one of those animal-loving softies and therefore very easy to get rid of once the time had come. Unfortunately, Ridcully turns out to be a BoisterousBruiser of wizards, and very much ''un''killable.''un''killable, and with a notable habit of sleeping with multiple loaded crossbows. However, most people, particularly Ponder Stibbons, underestimate how ''smart'' Ridcully can be.


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* ''Literature/ImperialRadch'':
** Breq is a fragment of a ship AI bluntly installed in a cybernetically enhanced MeatPuppet. The enhancements give her augmented strength, inbuilt defences, and reflexes like a falcon on amphetamines. Said enhancements are ''very'' well-concealed in most situations, meaning that the people who look at her without already knowing what she is tend to assume she's just an ordinary human - meaning that if they try to pick a fight, it generally goes pretty badly for them.
** Tisarwat is a very young rookie officer who spent her first paycheque on getting her eyes shaded bright purple. That she also took a huge shot of memories from Anaander Mianaai in a messy, ethically bankrupt attempt to turn her into a MeatPuppet and as such is able to run rings around almost anyone tends to come as a surprise to people who don't see past that first frivolous expenditure.
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* The protagonist of ''Literature/{{Worm}}'' is a skinny teenage girl whose only power is the [[WhatKindOfLamePowerIsHeartAnyway ability to control bugs]]. This is in a world where game-breaking superpowers are common. Do not underestimate her. A RunningGag in the comments section is that pretty much everyone's reactions to Skitter is "Meh, I could take her." Eventually, the PRT learns not to do this: they specifically say, "Look, take our rankings for her, and treat her as though she were two rankings higher ''across the board''." They decide to treat her as though she were a [[TheBrute Brute]], a [[SwissArmyHero Breaker]], and ''especially'' a [[ComboPlatterPowers Trump of some degree.

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* The protagonist of ''Literature/{{Worm}}'' is a skinny teenage girl whose only power is the [[WhatKindOfLamePowerIsHeartAnyway ability to control bugs]]. This is in a world where game-breaking superpowers are common. Do not underestimate her. A RunningGag in the comments section is that pretty much everyone's reactions to Skitter is "Meh, I could take her." Eventually, the PRT learns not to do this: they specifically say, "Look, take our rankings for her, and treat her as though she were two rankings higher ''across the board''." They decide to treat her as though she were a [[TheBrute Brute]], a [[SwissArmyHero Breaker]], and ''especially'' a [[ComboPlatterPowers Trump Trump]] of some degree.
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* The protagonist of ''Literature/{{Worm}}'' is a skinny teenage girl whose only power is the [[WhatKindOfLamePowerIsHeartAnyway ability to control bugs]]. This is in a world where game-breaking superpowers are common. Do not underestimate her. A RunningGag in the comments section is that pretty much everyone's reactions to Skitter is "Meh, I could take her." Eventually, the PRT learns not to do this: they specifically say, "Look, take our rankings for her, and treat her as though she were two rankings higher ''across the board''." They decide to treat her as though she were a Brute, a Breaker, and ''especially'' a Trump of some degree.

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* The protagonist of ''Literature/{{Worm}}'' is a skinny teenage girl whose only power is the [[WhatKindOfLamePowerIsHeartAnyway ability to control bugs]]. This is in a world where game-breaking superpowers are common. Do not underestimate her. A RunningGag in the comments section is that pretty much everyone's reactions to Skitter is "Meh, I could take her." Eventually, the PRT learns not to do this: they specifically say, "Look, take our rankings for her, and treat her as though she were two rankings higher ''across the board''." They decide to treat her as though she were a Brute, [[TheBrute Brute]], a Breaker, [[SwissArmyHero Breaker]], and ''especially'' a [[ComboPlatterPowers Trump of some degree.
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** This is how Mustrum Ridcully became Archchancellor of Unseen University in ''Discworld/MovingPictures''; the other wizards needed a break from the rampant KlingonPromotion going on, and decided that a 7th-level wizard who went out to live in the countryside should be the right choice. They figured that as a 'country-man', he was one of those animal-loving softies and therefore very easy to get rid of once the time had come. Unfortunately, Ridcully turns out to be a BoisterousBruiser of wizards, and very much ''un''killable. However, most people, particularly Ponder Stibbons, underestimate how ''smart'' Ridcully can be.

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** This is how Mustrum Ridcully became Archchancellor of Unseen University in ''Discworld/MovingPictures''; ''Literature/MovingPictures''; the other wizards needed a break from the rampant KlingonPromotion going on, and decided that a 7th-level wizard who went out to live in the countryside should be the right choice. They figured that as a 'country-man', he was one of those animal-loving softies and therefore very easy to get rid of once the time had come. Unfortunately, Ridcully turns out to be a BoisterousBruiser of wizards, and very much ''un''killable. However, most people, particularly Ponder Stibbons, underestimate how ''smart'' Ridcully can be.
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Has nothing to do with familiarity with in-universe fiction.


*** After that point, everyone in the universe suddenly became GenreSavvy and [[TheDreaded now want absolutely nothing to do with Honor Harrington if it might involve a face-to-face fight]].

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*** After that point, everyone in the universe suddenly became GenreSavvy and [[TheDreaded now want absolutely nothing to do with Honor Harrington if it might involve a face-to-face fight]].
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* Midway through ''Literature/GideonTheNinth'', Judith Deuteros challenges the [[TheSmartGuy Sixth House]] to a duel to make an example of them, and ''everyone'' thinks they're about to see a soldier beat up a librarian. Camilla the Sixth swiftly proves that her House is not to be underestimated.
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* ''Literature/TheOneWhoEatsMonsters'': Ryn is one of the oldest, most powerful entities in existence, and even the Fates whisper of her as "[[{{Determinator}} The One From Whom There is No Escape]]." However, she looks like a sixteen year-old girl, so she gets underestimated a lot. The main antagonists of the book initially dismiss her as a [[OurGodsAreDifferent daeva]] too young and unimportant for anyone to know her name; even when they find out who she truly is they assume they can at least stall her long enough to complete their plans. Mark, the Bradford bodyguard, initially assumes that she's just a boastful kid until he sees her beat up three ''big'' guys without any trouble whatsoever (and that was with her holding back ''a lot''). He then thinks back to their first meeting, and realizes that she had put herself in a perfect position to attack him if he proved hostile.
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* ''Literature/TheTravelersGate'': Since Valinhall is a new [[ElementalPlane Territory]] with only a handful of Travelers (never more than thirteen at a time, and apparently they haven't had a chance to have more than twenty ''total''), most people have never heard of it. Valinhall Travelers are often mistaken for normal people, or even lone [[ProudWarriorRace Tartarus Travelers]] (who are famous for never fighting alone). Simon in particular gets underestimated for being a young boy in a ridiculous cloak who talks to dolls.
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** This is how Mustrum Ridcully became Archchancellor of Unseen University in ''Discworld/MovingPictures''; the other wizards needed a break from the rampant KlingonPromotion going on, and decided that a 7th-level wizard who went out to live in the countryside should be the right choice. They figured that as a 'country-man', he was one of those animal-loving softies and therefore very easy to get rid of once the time had come. Unfortunately, Ridcully turns out to be a BoistrousBruiser of wizards, and very much ''un''killable. However, most people, particularly Ponder Stibbons, underestimate how ''smart'' Ridcully can be.

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** This is how Mustrum Ridcully became Archchancellor of Unseen University in ''Discworld/MovingPictures''; the other wizards needed a break from the rampant KlingonPromotion going on, and decided that a 7th-level wizard who went out to live in the countryside should be the right choice. They figured that as a 'country-man', he was one of those animal-loving softies and therefore very easy to get rid of once the time had come. Unfortunately, Ridcully turns out to be a BoistrousBruiser BoisterousBruiser of wizards, and very much ''un''killable. However, most people, particularly Ponder Stibbons, underestimate how ''smart'' Ridcully can be.
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People UnderestimatingBadassery in literature.
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* People outside the circle of protagonists in ''Literature/TheAscendantKingdomsSaga'' consistently underestimate Kestel Falke. It's easy to discern why: she's a beautiful redheaded woman who used to work as a [[HighClassCallGirl high-society courtesan]]. What many people ''aren't'' aware of: she was also a ProfessionalKiller. To begin with, it's mentioned that female inmates at the Velant PenalColony are often [[RapeIsASpecialKindOfEvil taken advantage of by the guards]], but the first two to force themselves on Kestel both turned up dead. In book four another assassin tries to take her hostage after she spent the whole evening playing the part of a noblewoman, but she overpowers him in seconds despite having a garrote wrapped around her throat.
* Belgarath spends most of ''Literature/TheBelgariad'' talking smack about the BigBad Torak's high priest Ctuchik, all but outright calling him a two-penny warlock with delusions of adequacy. However, when forced into a magical duel with Ctuchik, the two are extremely evenly matched (it's worth mentioning that Belgarath is widely considered the world's most powerful sorcerer, a master of several other magical disciplines, [[TimeAbyss over seven thousand years old]] and Ctuchik's religion's {{Satan}}-analogue). Belgarath only wins thanks to Ctuchik's firm grasp on the VillainBall, and even then he is left severely weakened and near-dead by the ordeal.
* In ''Literature/ABrothersPrice'', the kidnappers who take Jerin are clever enough to search him for hidden weapons, and even find his set of lockpicks. However, they still underestimate him, as he [[spoiler: pretends to stumble against them, and steals his stuff back just a moment after they took it.]]
* ''Literature/CodexAlera'': Anyone who gets in a fight with [[BadassAbnormal Tavi]] quickly learns, much to their cost, that lacking access to [[ElementalMagic Furycrafting]] does ''not'' make him an easy target; quite the opposite, in fact, because having to get by ''without'' Furies to help him out [[HadToBeSharp forced him to rely on his wits instead]]. Tavi's knack for improvisation and out of the box thinking ends up saving the day at least once per book. [[spoiler:And then it turns out [[TheCallPutMeOnHold his furycrafting abilities are simply manifesting late]]...]]
* Chloe from ''Literature/DarkestPowers''. She is five feet tall and weighs a hundred pounds, ''maybe''. She's in decent shape, but considering her size and her lack of any real self-defense training, she's not that much of a physical threat. [[NightmareFuel She can raise an army of zombies in under five minutes just by thinking about it too hard]].
* ''Literature/{{Discworld}}'': "Sure, she's wearing the uniform of the City Watch, but she's just some pretty blonde. How tough can she really be? Let's take her hostage again!" Protip, criminals: Captain Angua von Uberwald is also a ''werewolf'', and one of the toughest and most dangerous members of the City Watch.
-->'''Carrot:''' ''[As Angua is taken into a bar]'' Try not to hurt anyone.\\
'''Thug:''' As long as you do what we say, she'll be fine.\\
'''Carrot:''' Sorry, was I talking to you?
** Also from the Watch, almost every antagonist will eventually underestimate Vimes and/or Carrot's ability to foil any EvilScheme, regardless of the odds involved.
** Cohen the Barbarian often gets this. He is a very, very old barbarian hero, but people tend to forget that in this line of work, one doesn't live that long unless they are very, very good at it.
** Lu Tze does his bit to spread rule number one: "Do not act incautiously when confronting little bald wrinkly smiling men." Most of the population is more than willing to go along with this rule. When he meets those few who don't, he has to educate them in why the rule is in place.
** This seems to happen to Granny Weatherwax in about half the books she's in. The other witches get it too, but it's generally Granny who puts them down.
** This is how Mustrum Ridcully became Archchancellor of Unseen University in ''Discworld/MovingPictures''; the other wizards needed a break from the rampant KlingonPromotion going on, and decided that a 7th-level wizard who went out to live in the countryside should be the right choice. They figured that as a 'country-man', he was one of those animal-loving softies and therefore very easy to get rid of once the time had come. Unfortunately, Ridcully turns out to be a BoistrousBruiser of wizards, and very much ''un''killable. However, most people, particularly Ponder Stibbons, underestimate how ''smart'' Ridcully can be.
* Tris from ''Literature/{{Divergent}}'' is a small teenage girl. Far too often, she's assumed to be a non-threat -- even when she's pointing a gun at them.
* In ''Literature/TheDresdenFiles'', there are a good dozen or more of persons or entities who look weak, pathetic, foolish, dim, and easy prey. They are not to be laughed at. They are not to be looked down upon. They can and will kick your ass, if they don't just kill you. Here is just a small sample of the most frequently occurring examples.
** So there's this guy. He's a tall but gangly fellow, looks [[PermaStubble perpetually unshaven]], [[BadassLongcoat wears a big coat]] and walks around with a [[SimpleStaff big stick]] and generally seems like a scruffy, weird sort, but is otherwise not really all that much of a threat. A great many people, both {{Muggle}} and supernatural, consider him to just be some freaky guy with eclectic fashion sense. Except this guy's name is Harry Blackstone Copperfield Dresden, titular character of ''The Dresden Files''. Conjure by it at your own risk. After all, this is the man who has taken on all kinds of supernatural beings and survived every encounter. [[spoiler:He killed a Faerie Queen, stared down and nearly killed [[PersonOfMassDestruction Nicodemus Archleone]]- ''twice'', reanimated a ''dinosaur'' and marched it through the streets of Chicago, and annihilated the entire Red Court of vampires [[PapaWolf because they took his daughter]]]]. The supernatural types eventually start [[TheDreaded coming to realize how dangerous he is]], but the {{muggles}}? Not so much.
** So, there's this short woman, 5 foot tall, and like the example below, about 100 pounds. Head of the Special Investigations department for at least 8 years, while most last 2 weeks. Shot a half-ton werewolf monster from point-blank range. Once killed a plant monster with a chainsaw, and hamstrung an ogre with the same. [[spoiler:One-hit-killed a PhysicalGod with a holy sword, after having cut through countless EliteMooks, any one of whom could tear an ordinary human to pieces. She drove away a FallenAngel by drawing the same sword about 2 inches out of its sheath. Later, she killed a Faerie Queen that was about to kill the man she loves.]] And that is only the beginning of how extremely badass Karrin Murphy is.
** Ebenezer [=McCoy=]: An old Scottish redneck living on a farm in the Ozarks. Sounds relatively harmless? He's one of the most powerful wizards in the White Council, and fuck with him or his loved ones and he will [[spoiler:[[ColonyDrop pull a satellite out of orbit and drop it on your head like squashing a bug]]. If that is not a viable option, he will simply kill you with a wave of his staff. With one wave, he killed about 100 {{Muggle}} mercenaries.]]
** Thomas Raith. Drunken {{bishonen}} playboy who [[ObfuscatingStupidity doesn't seem to care about much but enjoying himself]]. Until you hurt someone he cares about. Then he can and will rip your arm off and beat you to death with it before you have time to blink. A surprising number of people don't quite realize what it means that even though Lord Raith [[OffingTheOffspring habitually kills his sons]], Thomas is still alive.
** Ivy, the Archive: A tiny slip of a girl who is the [[HumanHardDrive repository of all human knowledge]], and can blast a fallen angel into oblivion with an OffhandBackhand. Remember, knowledge is power. She has a LOT of knowledge. Ergo, she has a LOT of power. Q.E.D.
** So, there is this small fairy named Toot-toot. He is about 12 inches tall. He cannot understand complex orders as he has a very LiteralMinded. And he is a pizza addict. [[spoiler:But he is incredibly quick, able to change directions on a dime, and with his trusty box cutter, he will take on a {{Skinwalker}}. Slicing into the ancient evil. Even one of the most powerful wizards in the world was impressed by how well he handled himself against a PhysicalGod-tier force.]]
** So, there's this guy dressed in what seems to be a pretty authentic recreation of a full set of Roman Centurion armor. He has a cigar and is just generally wandering around being [[SmugSnake smug and arrogant.]] Then he uses ''half'' of [[spoiler: Harry's]] Name to bring [[spoiler: him]] to [[spoiler: his]] knees with no particular effort when [[spoiler: Harry]] starts giving him lip. This guy just so happens to be Ferrovax, the single oldest Dragon alive and is by [[WordOfGod Word of Jim]] a being that could go toe-to-toe with [[PhysicalGod Mab, the Queen of Air and Darkness.]] Oh, and that suit of armor? It's not a recreation. It's a ''trophy''.
** Donar Vadderung is not the head of the organization that hires out people like [[{{Valkyries}} Gard]] as hired guns for no reason. When Harry seems to be taking his power lightly (specifically, the power of a dozen beings he describes as being not quite as strong as he is), he gives a little demonstration via [[spoiler: slamming Harry into the ground with his raw will, leaving Harry as helpless as an "insect watching the shoe coming down".]] Even weakened, the guy is still a PersonOfMassDestruction. This makes sense, considering that Mr. Vadderung is [[spoiler:actually, literally, a PhysicalGod. Odin, to be precise. And if you're to young to comprehend how scary that is, he's also Santa Claus. Be afraid.]]
* In the backstory of ''Literature/EmpireOfTheAnts'', the whole ant population of France severely underestimated the Dwarf Ants, believing them to merely be small, weaker ants. In the following days, they took over Black Ants, Red Ants, Wasps, Termites... When the protagonists Red Wood Ants finally confront them, they discovered to their horror the Dwarf Ants had several queens in each of their colony, making them dangerous ZergRush specialists, and possessed high intelligence for the specie. By the time the story has started, the two species has become nemeses to each other.
* ''Literature/HarryPotterAndTheDeathlyHallows'': [[spoiler:Molly Weasley's "NOT MY DAUGHTER, YOU BITCH!" followed by her killing [[TheDragon Bellatrix Lestrange]], who laughs at her and has only a second to be shocked when she realizes what's just happened.]]
** Most people don't take the three main characters too seriously, either, until they start winning. Meanwhile, Neville, Luna and Ginny run a successful resistance against Voldemort's followers' rule of Hogwarts for the better part of the school year [[spoiler: although it was made easier by Snape being GoodAllAlong]].
** Especially in the earlier books, where Harry, Ron, and Hermione are usually dismissed by older wizards because of their [[JustAKid young age]]. Even in some of the later books, information is intentionally kept from them because other characters are worried it'll be too much for them to handle (which is [[SubvertedTrope sometimes true]]).
** It seems that everyone (including himself) thought that Peter Pettigrew was a weakling. He was able to accomplish many feats of difficult magic, and was eventually responsible for the death of two of his old friends.
** In ''Literature/HarryPotterAndTheOrderOfThePhoenix'' Golgomath, the giant with Death Eater ties who ripped off [[ReasonableAuthorityFigure Karkus]]'s head, assumes that Hagrid and Madame Maxime will be easy prey. They escape from him handily, though many of the giants who wanted to ally themselves to the Order were killed in the ensuing bloodbath.
* As you might expect in a military SF series, ''Literature/HonorHarrington'' contains a goodly number of examples:
** Right off the bat, the enemies of the titular heroine regularly find, to their regret, that she's not as easy a target as they first thought:
*** In the backstory, a fellow midshipman at the academy tried to rape her in the shower, not realizing she was a {{heavyworlder}} in Earthlike gravity. She beat the shit out of him, but unfortunately wasn't brave enough to press charges.
*** In ''Field of Dishonor'', a professional duelist hired to kill Honor dismisses her as a serious threat on the dueling field, though he grants that she is a capable starship captain. He doesn't get a chance to even ''aim''.
*** In the next book, ''Flag in Exile'', she gutted and decapitated a trained swordsmen in one movement after having only spent a few months learning the sword, in part because her opponent was in the mindset of winning swordsmanship tournaments, not killing opponents. This was a few hours after she'd survived a crash after her shuttle had been shot down, had barely escaped armed gunmen trying to finish the job, and looked like she should be in a hospital, not a duel.
*** One of the major villains in ''Honor Among Enemies'' dismisses Honor as a threat when taking her as a hostage... right before she guns down some pirates in cold blood with an antique weapon, and reveals that she has arranged for the pirate shuttle that was trying to escape to be rigged with a bomb, destroying them before they could get away.
*** After that point, everyone in the universe suddenly became GenreSavvy and [[TheDreaded now want absolutely nothing to do with Honor Harrington if it might involve a face-to-face fight]].
** A less conventional example comes in the form of [[spoiler:Manticoran Admiral Augustus Khumalo]]: his own navy considered him to be a [[ByTheBookCop by-the-book]] political appointee lacking both imagination and tactical and strategic experience, but when [[spoiler:Terekhov discovered Mesa's plan to conquer the Talbott Quadrant]], he demonstrated a tough-mindedness and adaptability that none of his fellow officers anticipated by backing his subordinate to the hilt, even at risk of [[spoiler:war with the Solarian League]].
** On the level of fleets, rather than individuals, the outcomes of not a few battles are radically affected by one side learning that the other's hardware is a lot better than anticipated — starting in the very first book, when the Manticoran light cruiser ''Fearless'' goes toe-to-toe with [[spoiler:a massive Havenite Q-ship]]. The LensmanArmsRace that follows results in a lot more such surprises from both sides, especially when [[spoiler:the Solarian League — whose peacetime navy was, as of the first book, roughly on par with Manticore — discovers what happens when you join the arms race late]].
** The aforementioned Terekhov rather succinctly described the trope when the local dictatorship of a backwater planet threatened to start mass executions of civilians if he didn't leave which they are confident he will do because the Manticorans make a point of being the good guys. [[spoiler: In his last message to them before a kinetic weapon strike from orbit utterly obliterates their headquarters and leadership]], he asks:
--->[[GoodIsNotSoft "Why is it that people like you always think that you're more ruthless than people like me?"]]
** Also on the level of fleets — or in this case, entire star systems — Haven tried attacking Yeltsin's Star, home of the planet Grayson, four times. On none of those occasions did they succeed, and they lost a hefty amount of tonnage in warships to boot. After Fourth Yeltsin, the Peep government rather prudently decides that Yeltsin's Star is a black hole for its navy and refuses to go anywhere near it. At any time. ''Ever''.
* ''Literature/TheJenkinsverse'':
** Many, ''many'' aliens underestimate humans and pay the price for it. Considering humans [[TheJuggernaut can ignore small-arms fire, survive multiple shots from anti-tank weapons, and rip apart heavy mechs with their bare hands]], it's only understandable that aliens (who are invariably much more fragile) would have trouble dealing with them. Furthermore, humans are much better at adapting to changing combat situations, thinking outside the box, and just basic deception, making them difficult to handle even for people who have successfully accounted for their strength. One alien commander who is in the process of successfully killing a squad of human soldiers notes that while his traps are killing them one by one, if he runs out of tricks before they run out of men, he's dead. And indeed, they manage to figure out enough of his traps to survive the rest of them, and ''one man'' is able to take over the ship.
** A Russian special forces squad has this turned around on them. They had been fighting aliens for so long they had forgotten what it was like to fight people who had any tactics more advanced than "shoot straight and take cover occasionally." They weren't idiots, of course, they still played things by the book and were careful, but half of them got killed because they weren't paying quite enough attention.
* ''Literature/JourneyToChaos'': Lots of enemies think that Tiza is an easy target because she's not a mage. They typically end up BoundAndGagged and humiliated.
* In Creator/LarryNiven's ''Literature/KnownSpace'' setting, the [[ProudWarriorRaceGuy Kzin]] first encountered humanity in the form of an unarmed colony ship from a pacifist world, carrying only a skeleton crew. Seeing easy prey, they attacked. Unfortunately, "unarmed" and "pacifist" don't add up to "harmless" [[spoiler: and a communications laser is still a laser...]]
** This is a frequent trope in this universe. The [[PlanetOfHats alien race that prides themselves on being cowards]] can deliver quite a kick with the leg that is towards you when they turn their back on you...
* ''Literature/{{Mistborn}}'':
** Vin is another one of those five-nothing, hundred-pound girls who's constantly overlooked and underestimated because of how unimposing she looks. She killed a PhysicalGod, ''vertically bisected'' a man ''and his horse'', headbutted someone in the face hard enough to reduce his head to PinkMist, and has abused her SuperStrength so much that she's essentially dependent on it to function, but also gets about three times more power out of it than anyone else. Most amusing when she's facing [[OurOrcsAreDifferent Koloss]]; they tend to get very confused while [[OneManArmy she slaughters them by the hundreds]] because they don't get how it's even possible for someone so little to beat someone much bigger.
** Elend gets it too, for a different reason. He was well-known among the nobility as a [[WideEyedIdealist head-in-the-clouds-idealistic]] scholar with little practical experience with the outside world. Not all of them have gotten the memo that [[TookALevelInBadass things are a bit different now]].
* In the Robert Browning telling of "Literature/ThePiedPiperOfHamelin", the Mayor and Corporation (his advisors) decide to renege on their promise to pay the Piper the agreed-upon fee for ridding the town of rats. Their thinking is that since the rats were drowned and "What's dead can't come back to life", there's nothing the Piper (a wanderer whom they regard as beneath them) can do in retaliation for the promise being broken. He warns them that he can use his music as an instrument (so to speak) of revenge, but they don't take the threat seriously and effectively dare him to try it. They learn to their eternal sorrow that his music also works on humans -- specifically, ''children''.
* This happens a couple of times in ''Literature/TheQueensThief'' series. In ''The King of Attolia'', Eugenides [[spoiler:spends the whole book practicing only basic sword routines in the public practice courts, and then reveals himself to be the best swordsman any of the soldiers have ever seen by trouncing an entire squad.]] People always forget that he had ''two'' grandfathers.
** This often happens to Eugenides, most notably when he manages to single-handedly destroy [[spoiler:the house of Erondites, which was powerful enough to pose a significant threat to the the Queen's reign, and, in the same scene, scares the crap out of his attendants and thus gains their loyalty.]]
--->'''Attolia:''' [[spoiler:Ninety-eight days. You said it would take six months.]]\\
'''Eugenides:''' [[spoiler:I like to give myself a margin when I can.]]
** He even lampshades it: [[spoiler:"Has it occurred to you, Costis, that the only reason I'm alive is that those three assassins took me for a prancing lightweight?"]]
* ''Literature/RangersApprentice'': Halt is rather short, wears a mottled cloak, rides a shaggy pony, and has unevenly cut, greying hair. Underestimate him at your own risk.
* ''Literature/TheRiseAndFallOfDODO'': Discussed when the main character recognize that their superior officer Blevins believes that everyone from the distant past is an ignorant simpleton who will be easily managed when transported to modern times. Grainne, a brilliant witch and spy from the Elizabethan era, and Magnus, a cunning Viking war chief, prove Blevins wrong and become a huge problem when they go AWOL.
* ''Literature/RomanceOfTheThreeKingdoms'': Also true to history, this is one of the factors of the downfall of UsefulNotes/GuanYu. His advisors warned him that Wu has been setting its eye on the Jing Province that he's in charge of, and their new strategists, Lu Meng and Lu Xun, were up and coming brilliant strategists on their own. Guan Yu dismissed them, assured that his general badass prowess and war experience will make him prevail over these newbies. These newbies eventually formed a cunning plan that exploited some of Guan Yu's flaws in people management, backstab him in the best opportunity available, captured him and had him executed.
* In the ''Literature/SherlockHolmes'' short story "The Speckled Band", Dr. Roylett, having learned that his stepdaughter paid Holmes a visit concerning the suspicious nature of her sister's death and the strange atmosphere now surrounding her, attempts to intimidate Holmes by bending an iron poker with his bare hands. After Roylett's departure, Holmes, now even more interested in the case than he already was, informs Dr. Watson that had Roylett stayed, he would have seen that Holmes possessed an even level of strength by bending the poker back to its proper form.
* The ''Literature/SienkiewiczTrilogy'' has a glorious example at the beginning of the second book. The protagonist, Andrzej Kmicic, mocks his opponent, Michał Wołodyjowski, before their duel. What happens next is such [[CurbStompBattle a one sided fight]] that Kmicic ends up begging his opponent to just kill him already and spare him more humiliation.
* The ''Literature/SinisterSixTrilogy'' features this from the main villain, the Gentleman, in his dealings with the Sinister Six; after evading law enforcement all his life, the Gentleman [[spoiler:is finally defeated because he underestimates the Chameleon and Doctor Octopus, believing that he could always see through the Chameleon's disguises and that he had the perfect means to control Octavius, only to be shot by the Chameleon just before Doc Ock reveals that he had already deduced how the Gentleman intended to betray them]].
* Happens from time to time in ''Literature/ASongOfIceAndFire''.
** Taking time out of your life expectancy to gloat at, belittle or threaten [[LittleMissBadass Arya]] [[ActionGirl Stark]] basically just gives her [[BestServedCold more time to make you feel very, very sorry you bothered]], for instance.
** Or, how about laughing in the white-haired old man's face or just dismissing him as "old" as you square off against him? If that's [[KnightInShiningArmour Ser Barristan Selmy]], you've just proved what a jackass you are.
** And, heaven help you if you insult [[ManipulativeBastard Tyrion's]] intelligence by assuming he can't talk himself out of the bind you've just put him in: the odds are good that he can.
** Finding yourself facing a plain woman in *snicker* armour? Go ahead, attack like a demon in a frenzy because 1) you don't want to be beaten by a girl and/or 2) you want to look impressive when you beat her for mates points. Unfortunately... it's probably going to result in 3) you being wiped along the floor. That's [[BrawnHilda Brienne of Tarth]], and she's a Badass StoneWall who just [[CombatPragmatist suckered you]] into a loss.
** But, to win a Crowning Moment of Underestimation... you have to beat Kraznys mo Nakloz, a Good Master of Astrapor, for his underestimation of Daenerys Targaryen. Repeatedly insulting somebody you should very well know for a fact is descended from an exiled branch of Valyrian Dragon Lords in a derivative of the Valyrian language over several days is... [[{{Jerkass}} a bit crass]], but kind of understandable. They were the historical masters of your city and you hate them, so getting your digs into one of their few remaining descendants makes a little sense. Convincing yourself, however, that this mere slip of a girl without much visible backup won't be able to understand you or the nature of the very dragon you hope to gain in trade is... [[WhatAnIdiot dumb]]. Handing her the army of invincible, obedient slaves in the middle of your (now) poorly defended city ''before'' full receipt (and control or containment) of the mobile [[BullyingADragon flame-thrower whose chain you're very busy yanking]] (literally)? And, um... you were calling ''her'' stupidly new, uncultured and unschooled in this whole tactical negotiation thing, [[TooDumbToLive Mr. Charcoal Briquette]]?
* ''Literature/{{Spenser}}'', despite being a pretty big guy, is often underestimated by the mooks he encounters, though their overconfidence is usually justified due to their outnumbering him. It rarely does them any good.
* ''Literature/StarTrekPrey'':
** The villain Korgh's plan to undermine the Federation/Klingon alliance so that the Klingon Empire secedes from Khitomer Accords and puts him in charge fails because he basically fell victim to this, [[spoiler:as Korgh both underestimates what his enemies are capable of and overestimates his own influence over his 'allies', resulting in his plans being exposed and his supposedly loyal partners betraying him]].
* ''Franchise/StarWarsExpandedUniverse'':
** ''[[Literature/StarWarsAhsoka Ahsoka]]'': [[spoiler:The Sixth Brother]] assumes that the title character, based on her age, is just a Jedi Padawan and thus will be easy to defeat. Fans of ''[[WesternAnimation/StarWarsTheCloneWars The Clone Wars]]'' will know that she's an extremely experienced combatant [[spoiler:who was offered the rank of Jedi Knight before leaving the Order]]. He pays for this underestimation with his life.
* ''Franchise/StarWarsLegends'':
** The {{Novelization}} of ''Literature/RevengeOfTheSith'' has [[TheDragon Count Dooku]] make this mistake with regards to [[StudentAndMasterTeam Anakin and Obi-Wan]], starting their duel in full SmugSnake mode as he refuses to believe that any Jedi can defeat him. He spends several minutes JustToyingWithThem as he outmaneuvers them--until they [[IAmNotLeftHanded suddenly switch to their favored lightsaber styles]] and start outdueling him, at which point he has "a sudden, unexpected, overpowering, and entirely distressing ''bad feeling'' about this..."
** It's not a real fight, but in ''[[Literature/XWingSeries Wraith Squadron]]'', the Wraiths ask Wes who the greatest pilot alive is, and Wes considers for a bit, then says it's their commanding officer, Wedge Antilles, because of his kill count and time in active service. Falynn Sandskimmer scoffs at this, says that he might have been good in the past but got old and became washed up. Wedge tolerates this for a bit, then challenges her to a race in ore haulers and wins handily after toying with her a bit.
*** How does he win? Amongst other things, he drops his ore hauler on top of hers, pushes off hers, and plops down right at the finish line. The only thing she can say? "You cheated." His response is yes, of course, because combat isn't a game. And if she wants to live through the war, she had best learn to cheat ''better''. Of course, teaching Wraith Squadron to cheat might have been an example of GoneHorriblyRight.
** Also not a direct fight, but in several of Wedge's appearances in the ''Literature/NewJediOrder'' and later ''Literature/LegacyOfTheForce'', people underestimate his abilities in all kinds of things. Not piloting, but things like the ability to tell when he's being used as a political pawn about to be sacrificed, and in general his extraordinary resourcefulness and endless skill with the IndyPloy and, sometimes, XanatosSpeedChess.
** The heroes spend the latter half of ''Literature/GalaxyOfFear'' on the run from the Empire, which finally puts up a bounty on them for any [[BountyHunter random hunters]] to see. While the first one the heroes encounter is an amateur, he's aware of Hoole's [[ShapeShifter capabilities]] and prepared to counter them, taking Zak hostage at blasterpoint and planning to [[WhyDontYouJustShootHim just shoot Hoole]] and bring the kids in alive. However, he's clearly not aware that Tash has been [[MindOverMatter developing her skills with the Force]].
* In ''Literature/TheTomeOfBill'', Sally is frequently subject to this. Marlene and Jeff[=/=]Night Razor knew her before she became a vampire and was just a normal human. They learn the hard way that Sally's probably the biggest badass in the series.
* ''Literature/TheWanderingInn'': After being scammed, Erin is challenged to a game of chess against a Level 24 [Tactician] to win her money back. Everyone tells her she is an idiot for taking the bet, as she has no levels in that class at all. It turns out that she is probably the best chess player in the world.
* ''Literature/WarriorCats'': When Firestar, then known as Rusty, joined [=ThunderClan=], the other cats just thought he was a timid kittypet. He then managed to beat up a seasoned apprentice despite having no fighting experience.
* ''Literature/TheWheelOfTime'': Gawyn and Galad, both of whom are highly-trained swordsmen, together take on a just-recovering [[CrouchingMoronHiddenBadass Mat Cauthon]] who is armed with only a quarterstaff. [[CurbStompBattle Mat wins]].
* Sunny from ''Literature/WingsOfFire'' is unusually small and very friendly. She's seen as the "little sister" of the dragonets and gets looked down upon by others, even her friends. Despite this, she ''is'' still a dragon.
* The protagonist of ''Literature/{{Worm}}'' is a skinny teenage girl whose only power is the [[WhatKindOfLamePowerIsHeartAnyway ability to control bugs]]. This is in a world where game-breaking superpowers are common. Do not underestimate her. A RunningGag in the comments section is that pretty much everyone's reactions to Skitter is "Meh, I could take her." Eventually, the PRT learns not to do this: they specifically say, "Look, take our rankings for her, and treat her as though she were two rankings higher ''across the board''." They decide to treat her as though she were a Brute, a Breaker, and ''especially'' a Trump of some degree.

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