Marco shows a strong indication that he knows he's in a fairly dark series with a rather sadistic author whenever he's being a Deadpan Snarker.
Cassie: "I wonder if there's a limit to how many morphs you can do."
Marco: "I guess we'll find out. Probably at the worst possible time."
Later in the same book, upon being told they're not comic book heroes, he makes the rather prophetic comment: "Yes, but I really really want it to be a comic book. See in a comic book the heroes don't get killed."
Marco: "Now I have a new superstition. Anytime I'm not worried, I worry."
Marco: "I'm paranoid, sure. But that doesn't mean I don't have enemies."
Terry Pratchett's Discworld features characters like this, thanks to the Theory of Narrative Causality. Several of the witches, especially Granny Weatherwax, have a feel for "stories", and can use them to their own ends if they have to. Commander Sam Vimes of the Ankh-Morpork City Watch is when it comes to tropes of detective stories and police procedurals. Malicia from The Amazing Maurice And His Educated Rodents is either tooGenre Savvy, or not savvy enough. She insists on always seeing things in terms of stories, ranging from fairy tales to Kid Detective novels like Tom Swift, The Hardy Boys, and The Famous Five (she claims at one point that four kids and a dog is "the right number for an adventure"). Furthermore, she has trouble in coping with subversions and exceptions, and always makes herself out to be the main character of the "story". Rincewind the Wizzard [sic], meanwhile, is very much aware of Finagle's Law and similar narrative conventions that keep his life interesting. He hates them.
It's the whole basis of the plot in Witches Abroad. The stories want to be told, whatever the effects on their players. Lily is arranging the city of Genua along the lines of these stories. The toymaker will be a jolly, red-faced man who whistles while he works if he knows what's good for him. The servant girl will marry the prince, with the help of her fairy godmother, whoever has to get hurt along the way.
The Guards! Guards!! novel, when Vimes has just confronted the hidden villain of the story. The villain, (using the title of the book) summons several mooks to take Vimes into custody. However, the mooks, despite Vimes having no weapons and just standing there, show extreme hesitation. When the villain demands an explanation, they indicate they know what happens in situations like this: the likelihood is that if they try to take Vimes into custody, he will kill them all by engaging in swashbuckling clichés such as performing somersaults or swinging off chandeliers (the villain points out, somewhat hysterically, that there are no chandeliers in the room at all). It takes Vimes' assurances that he will not do so and would not know how to do so if he tried before the mooks take him prisoner.
Also inverted in Discworld with Moist Von Lipwig, who knows very well how things are supposed to go... and plays the part of the hero, because he knows that the innate genre savviness of the public will view him as a hero if he does. As a con artist, taking advantage of what people expect to see is his major skill.
Cohen the Barbarian and his Silver Horde in The Last Hero are confronted by Captain Carrot. They're about to fight him when they realize that's there's only one of him and nine of them, and that he's trying to save the world. All experienced heroes who have spent decades winning against incredible odds, they see that the fight can only go one way and back down. This is pure genius considering that the Horde took advantage of that very trope themselves in their first appearance in Interesting Times (though it didn't end quite the way you might think).
The Horde's motivation is this trope in regards to End of an Age. Their dangerous actions were spurred on by their belief that the time of heroes has passed. It has, but only for their kind of kick-in-the-door, rob-the-temple, big-thug-with-a-sword hero. Carrot, who routinely risks his life for a city salary the Silver Horde wouldn't consider enough to tip a barmaid, represents a new type of hero: one who's simply determined to do the right thing. The Silver Horde are confronted by this generational and cultural transition — from heroing to heroism — and it floors them.
Taken to its logically extreme when the Silver Horde meet up with Evil Harry Dread and his minions. They spend some time reminiscing about how Evil Harry used to follow The Code by doing things like having the standard dress code for his soldiers include helmets that fully covered his face, hiring stupid henchmen who couldn't tell the difference between an old washerwoman and a hero dressed like an old washerwoman, and so forth. Evil Harry always did everything the Evil Overlord List, something with which he is clearly intimately familiar with, says not to do — on purpose. After complimenting Harry on the utter stupidity of his current batch of minions, they go on to complain about how the current generation of Evil Overlords go about doing everything The Evil Overlord List says to do, which just isn't right. That is, if they bother with the Evil Overlording at all and don't just go straight into bureaucracy. At the same time, Evil Harry Dread is complaining about how the new heroes are refusing to live up to their end of the bargain by doing things like sabotaging the Evil Overlord's escape tunnel. Guys like Cohen always left the escape tunnel intact, even thought they knew the Evil Overlord would inevitably escape through one. The reasoning behind this is that Evil Overlords are a hero's bread and butter, so killing them all off would leave them unemployed.
Rincewind demonstrates a perfect level of this trope in this story. At one point, he announces to Lord Vetinari that he does not wish to volunteer for the mission. He's going, of course, because he's perfectly aware that that's how his life goes, but he wants it known that he doesn't wish to. The other wizards present, knowing what kind of things he's gone through (for what appears to be rather more than 20 years by this point) concur with him on this point.
The Patrician has wearily recognized the pattern of supernaturally powered fads running riot over his city (Soul Music, Moving Pictures) etc., but interestingly when he says so in The Truth he's actually being Wrong Genre Savvy, because the fad in that book — newspapers — isn't supernatural and doesn't fade away like the earlier ones.
Cohen the Barbarian shows a moment of Genre Savvy in Interesting Times: knowing that Grand Viziers are always evil, he asks Twoflower, "Do you know anything about Grand-Viziering?" Twoflower says no. He gets the job, precisely because someone who knew something about it would be evil.
And it's not just the good guys who are Genre Savvy. The old Count Magpyr in Carpe Jugulum has huge stocks of lemons, holy water, and wooden stakes; his servant Igor even added a handy anatomy chart to help vampire hunters find the heart. Windows were easily opened to the sun, and dozens of objects could be converted into an easily recognised holy symbol. Why? His role was the recurring monster, and he knew what people would do if he tried Going Too Far.
His nephew, the new Count is just as Genre Savvy, but more ambitious. As savvy as he is though, he's not quite a match for Granny Weatherwax.
Johnny and Kirsty in Only You Can Save Mankind. Of course their genre awareness is actually influencing the setting to some degree.
Princess Cimorene of the Enchanted Forest Chronicles is fairly genre savvy, as are most of the characters to one extent or another. She just refuses to conform to type. (Note that this is an Affectionate Parody universe where genre savviness is actively taught to people; Cimorene's education included things like the right way to scream when being carried off by a giant.)
One example: the obnoxiously determined Idiot Hero who's been trying to rescue her accidentally releases a genie, who announces that he will now kill them, but they may choose the manner of their deaths. Cimorene immediately replies, "Old age." She winds up catching the genie out on trying to get around the rules and cutting a deal where he goes back in the jar and they pretend the whole thing never happened.
Her son, Daystar, is even more so, to the point of being a Tyke Bomb.
One of the best examples is in book one, in a character known only as the stone prince. He earns his namesake due to taking Schmuck Bait that would have had him Taken for Granite, in the form of a gold and jewel covered dipper for a fountain of healing water alongside a tin one. But instead of panicking, he stuck his arm in the spring, allowing him to retain his form, sentience, and motion even as stone.
He does even better a bit later when Cimorene accidentally finds out a weakness for the wizards: soapy water with lemon juice. Unfortunately, the Big Bad wizard uses Morwen, a witch that they're friends with, as a shield. The prince douses them both, reasoning that Morwen couldn't possibly melt in soapy water given what he's seen of her spotless house.
In Andrew Lang's Prince Prigio, the genre-savvy King of Pantouflia wants to get rid of his obnoxiously intelligent eldest son by sending the princes after the monster, knowing that the youngest son will be the only one who can triumph. Prigio, being genre-savvy himself, does not fall for this — and STILL gets it wrong.
In the Lord Peter Wimsey mysteries by Dorothy L. Sayers, characters discourse at length about how their situations would be different if they were in a detective story. It sometimes helps: in Gaudy Night when Harriet receives a phone call summoning her back to the college:
She remembered Peter's saying to her one day: 'The heroines of thrillers deserve all they get. When a mysterious voice rings them up and says it is Scotland Yard, they never think of ringing back to verify the call. Hence the prevalence of kidnapping.'
She rings back to check, and discovers that the call was a fake. (Dorothy L. Sayers, Gaudy Night, ch. 18, p. 349).
Similarly, most Agatha Christie books contain at least one line where a character exclaims that "It's just like a detective novel!" and several suspects in various mysteries show nervousness because they're the least likely character to do it and hence, if it were a mystery novel, the one most likely to be fingered. Sometimes it's true, sometimes it isn't.
Mercedes Lackey's Tales of the Five Hundred Kingdoms series uses this idea — indeed, it is central to its premise. The idea is that the world in governed by a mysterious force called "The Tradition" which forces peoples' lives to follow traditional story tales, like Snow White, Sleeping Beauty, etc. The main characters are either Godmothers or are being helped by Godmothers to achieve the story's end — or to change the story from one with a fair amount of deaths to one with a happy ending. As such, all Godmothers need to know what story they are in and, preferably, numerous other stories they can try and manipulate.
Shin-tsu begins to joke that he's in a novel and both Kouma and Ryo try to utilize story structures to make sense of his life. It works.
Sergey Lukaynenko's Rough Draft and its sequel Final Draft are practically dripping with genre savvy. Characters frequently reflect on how the events of the story follow certain genre conventions. Sometimes their observations foreshadow the actual outcome, sometimes they turn out to be wrong and other times their realization of what genre convention they wound up facing comes too late to do any good.
In one of the early chapters, the main character meets up with a science fiction writer (a thinly-veiled Lukyanenko stand-in) in order to try to figure out the solution to his decisively supernatural problem. The writer winds up explaining how various Russian science fiction authors would resolve it, ending with his own take (which didn't match the actual ending of the novels.)
In Timothy Zahn's The Domino Pattern, Frank Compton and his colleague Bayta seem aware they're in a detective novel (albeit one in a science-fictional setting.) Therefore they are careful to have the conversation with the being who has important information before he can be the next victim leaving them clueless, and even comment on the importance of not waiting to speak to him!
In the second novel, Vorpal Blade, being science fiction fans is seen as a useful characteristic for the new Space Marines and officers flying the first human starship, the captain of which takes a giddy delight in being able to give orders like "Ahead Warp 1" and "Engage warp drive".
In the sequel Claws That Catch this is taken to a slightly surreal extreme when some conflicts between various alien technologies cause them to hallucinate that they are anime characters. One of the main characters laments the fact that he is clearly a secondary character since as anime characters the hero is clearly identifiable.
The Artemis Fowl books have a strong "action movie" sensibility — several of the characters are fans of action movies and are shown to compare their own experiences with the genre.
A spinning kick, Butler. How could you?
Invoked in The Opal Deception, when Holly asks Artemis to think like a videogame character in order to divise a solution to their predicament (being attacked by trolls). Artemis decides to think like a character in a war game, tries to create a list of exploitable weaknesses that the trolls possess, and forms a plan based around their hatred of bright lights.
Peter Pevensie demonstrates a degree of Genre Savvy in C. S. Lewis's The Lion, the Witch, and the Wardrobe, particularly when — after Edmund suggests the robin they are following might be leading them into a trap — he observes that in all of the stories he has read, robins are creatures of good.
Edmund also has a Genre Savvy moment or two near the beginning of Prince Caspian, drawing upon his knowledge of adventure stories for ideas on how he and his siblings can get by after they find themselves in an unpopulated wilderness.
He has another in The Voyage of the Dawn Treader when they are considering what has happened to the man whose armor they have found; it is explicitly cited that he reads mysteries.
Eustace, by contrast, has his initial lack of Genre Savvy pointed out multiple times — he's said in the narration to have "read none of the right books." In his diary, when the ship is becalmed and drinking water is at a premium, he recounts how Caspian warned that anyone caught stealing water will "get two dozen" and that he didn't know what that meant until Edmund explained it to him. "It comes of the sort of books those Pevensie kids read." (Even the Pevensies have their lapses, like when they first arrive back in Narnia in Prince Caspian and think they might have to live off the land. They think they remember reading about people eating roots, but they're not sure what kind; Lucy "always thought it meant roots of trees.")
Subverted in The Dumas Club by Arturo Perez-Reverte. Rare book finder Lucas Corso has read enough to recognize a trope when he sees one and insists on following them until he can nab the Big Bad. He's mostly right but the Big Bad is someone completely different than he suspected.
A Song of Ice and Fire has a theme of subverting the trope. Sometimes characters figure out beforehand that life will be nothing like the stories, and sometimes they suffer horribly for it.
Quentyn Martell is emboldened to reckless action by stories in which princes win fights against dragons and get the beautiful princess afterwards, but he makes a much of it and dies a horrible death.
Brienne tells the story of a hero with a magic sword who never used it, saving it for a singular event. Dick Crabb tells her that it's better to use the best weapon available than die thinking, "I should have used the sword!" When Brienne next anticipates a fight, she thinks back to Dick's words and pulls out her hidden Valyrian steel sword. It gives her just enough of an advantage to win the ensuing fight.
Happens a lot in K. A. Applegate's Everworld series, about four young adults thrown into a world in which everything from all the mythologies in the history of the world co-exists. Odds are at least one of them will know enough about whatever figure they encounter to know how to deal with them. They still don't believe Cassandra, though.
In The Lord of the Rings, most of the good guys are pretty Genre Savvy, since legends are a major form of entertainment in Middle Earth. In "The Stairs of Cirith Ungol," Sam wonders if he and Frodo have reached a part of the story that the audience won't want to hear. Frodo, however, rightly points out that it's the dark, scary parts that keep people interested.
Gandalf in particular is Genre Savvy enough to recognise that Gollum is a Chekhov's Gun. "My heart tells me that Gollum has some part to play"
Justified, given that Gandalf is Maiar, a semi-divine being.
Frodo's line after meeting Aragorn that an enemy would "look fairer and feel fouler" could count as this. Many fantasy villains (the ones that aren't Mooks at least) tend to follow this.
Interestingly, this seems to be case of Wrong Genre Savvy to an extent since the prettiest of Sauron's minions are probably Wormtongue and Saruman - neither of whom are particularly comely. On the other hand, Sauron himself used to be fairer before he became a giant, flaming eyeball.
Parodied in Mark Twain's The Story of a Good Little Boy, in which the protagonist longs to be the hero of a Sunday school book and goes around trying, unsuccessfully, to do all the right things: taking in a stray dog, getting a job with only a signed tract as a reference, etc. The main thing that bothers him is that all decent Sunday school book heroes die so he'll never get to see the book he's in.
Joe Hill's short story Best New Horror involves an editor who slowly realizes that he's wound up in a situation that conforms to horror genre specifications. He finds this oddly exhilarating.
John Dickson Carr's detective Dr. Gideon Fell is well aware that he's in a detective novel.
In The Three Coffins, he stops the action to explain to everybody how a locked room murder mystery can be pulled off, explaining that there's no point in pretending they're not in a detective novel.
In Through The Looking Glass, Alice's familarity with Mother Goose rhymes leads to Genre Savviness. She knows that the king has promised to send all his horses and men to help Humpty Dumpty, and she awaits the crow with great anticipation, to break up the fight between Tweedledee and Tweedledum.
E Nesbit's Melisande is a variation of Rapunzel set in a fairy tale world where everyone is Genre Savvy. For example, the king and queen deliberately refuse to hold a christening party, knowing what happened to the Sleeping Beauty. When all the fairies are furious that they weren't invited, and they want to curse the princess, the king points out that traditionally, only one of them can curse the princess or they'll go out "like a candle-flame". He's more or less bluffing, but since the evil fairy Malevola already did the cursing, they decide not to risk it, thank the queen for a lovely afternoon, and leave.
The whole point of Charles Stross's The Jennifer Morgue. The villain, a Dangerously Genre Savvy billionaire trying to take over the world, recognizes he's a living trope and creates a Evil Plan by creating a magic spell that turns everything around him into a James Bond adventure, so that only a British agent conforming to the Bond stereotype would be in a position to stop him and save the world last the last moment. The plan is to then end the spell, making the agent an ordinary person again and so easily contained and killed, with no one else able to get there in time. Unfortunately for him, the British are even more Genre Savvywhen the agent they send isn't really the Hero, he's the Bond Babe, acting as an initially oblivious decoy for his girlfriend who is the real Hero sweeping in at the last minute with commandos to save the day.
In the comic mystery play Any Number Can Die, a wannabe detective urges a reluctant informant to tell him the name of the murderer, because otherwise she'll get killed and only have time to whisper him a cryptic clue. Sure enough, she gets shot, gives him a clue, and he says in frustration, This always happens in stories!
In Jasper Fforde's Thursday Next and Nursery Crime novels, the lead characters are successful because of their Genre Savvy. Thursday works in the Literary Crime division, making sure that novels stick to the conventions of their genre and using her Genre Savvy to get out of many sticky situations. The main problems come when she has trouble identifying the genre she has stepped into. Jack Sprat, in the Nursery Crime novels, is an interesting character because he not only investigates crimes committed by Nursery Rhyme characters, but he also has a strange empathy for the genre-driven urges that make them commit the crimes.
Commissar Ciaphas Cain is this in universe. He realizes that acting like the rest of the Imperium's commissars (trigger happy hardasses) will only get him killed faster, and realizes that giving a damn about his troops means he doesn't get fragged, they give a damn about him, and he more chances to avoid getting killed. He also realizes the grim dark setting for what it is, and realizes that most forms of danger are better avoided if he doesn't try to run. He knows that being a fanatical jackass makes him expendable, so unlike the rest of the Imperium (who put large amounts of faith in the God Emperor of Humanity), he decides to proactively work very hard at saving his own ass himself, making him one of the smartest humans in the whole series.
It has also been observed that, in a strange way, this may actually make him the most pious Commissar in the entire Imperium. He, seemingly genuinely, believes that he shouldn't rely on the God Emperor's protection because he doesn't want to distract Him from more important things. Given the state of the galaxy, this is quite a reasonable attitude.
Harry Dresden in The Dresden Files. Not exactly harmed by such details as Dracula having been written to educate people about how to kill a certain kind of vampire.
Lampshaded in Dead Beat:
"The trick was to figure out which movie I was in. If this was a variant on High Noon, then walking outside was probably a fairly dangerous idea. On the other hand, there was always the chance that I was still in the opening scenes of The Maltese Falcon and everyone trying to chase down the bird still wanted to talk to me. In which case, this was probably a good chance to dig for vital information about what might well be a growing storm around the search for The Word of Kemmler."
A failure of Genre Savvy is lampshaded later in the book. When Sue, the reanimated T. Rex eats a ghoul, the ghoul does nothing but scream and throw up its hands to shield itself. Butters points out that never did any good in the movie, and Harry notes he must not have seen it.
Also Nicodemus. At one point, Harry tries to trick him into telling him his master plan, but Nicodemus sees right through it, causing Harry to suspect he's read the Evil Overlord List.
In Proven Guilty Harry has a plan that hinges on a group of monsters impersonating horror movie creatures ambushing him. When they fail to do so, he threatens to take "drastic, cliched measures" like walking through doorways backwards.
"Gentleman" Johnny Marcone. Competent, ruthless, and precautionary to a tee, he nearly always manages to both place himself on the good side of a certain wizard, and talk his way into learning about the threat of the book. Since the start of the series, he has survived quite handily through attacks from vampires, werewolves, fallen angels, fae, undead, ghouls, and has even established himself as a member of the setting's regulatory body for supernatural war and diplomacy.
To give an idea of not only how Genre Savvy, but Badass this last point makes him; he is a perfectly normal mortal human being, no special powers whatsoever, and he's a member of a group consisting of the most powerful elements of the supernatural world.
As an example, in the first book, Harry confronts Marcone by blowing the doors off his club. In Even Hand, Marcone notes that since that incident, he's refurnished the entrances to his establishments: While strategic entrances are properly secured and warded, dramatic entrances are made with cheap balsa wood so that any other wizards attempting such an entrance won't harm anyone with the shrapnel. To be fair to Harry, that first dramatic entrance he blew the doors out, past him and his kinetic shield, so as to not hurt anyone. Marcone probably made that change just to save on replacement cost.
Marcone gave orders to all of his establishments to treat Harry with the utmost courtesy - including making Harry a platinum member of Marcone's, ahem, health club. He reasons that if Harry is too distracted by boobs , Marcone's buildings are less likely to burn down. Though it's not explicitly stated, Harry doesn't like to hurt women, which also helps.
Upon coming face to face with his sub-conscious, Harry says "So I'm good Harry and you're Evil Harry and you only come out at night?"
Some acquired genre savvy on Harry's part would be the issue of darkness - Wizards immediately call light, making targets of themselves. Harry has apparently never heard of the concept of night-vision goggles (though it probably wouldn't do him any good even if he had), or a similar spell, but he will call up a wall of lava somewhere else that won't make him a target.
And there was the time in Ghost Story where he sees a bunch of Fomorians attacking Molly, who's fighting back with lots and lots of illusions and veils. They eventually realize that the wall of fire she conjured is not, in fact, a wall of fire, and things start to go badly for her. So Harry steps in with his own spell. Hilarity Ensues.
Left Behind has an "unintentional" variant that cripples the narrative from the get-go. Many of the characters, who should have shown emotions at certain times, seem to be aware of the type of book they are in; they thus either do not display the appropriate emotions, or merely go through the motions. This cripples the first book of the series to an extreme extent in regards to making the characters seem real.
In Jeffery Channing Wells' online masterpiece, Mundementia One, there exists the Humility Company. This group of bodyguards is the best in the entire world because they refuse to say that they are the best out loud. By continuously downplaying their own skill they manage to survive for another battle. They even have an android Cardinal Richlieu to tell them when they've become too badass and have to sacrifice the rookie to the mysterious monster in the darkness.
Frankly everyone in Mundementia One is genre savvy, though Charles is still trying to fully gain his.
A few characters in the X-Wing Series are at least a little genre savvy.
The children's book Dear Peter Rabbit shows that the wolves of both the Three Little Pigs and Little Red Riding Hood tales show a rather remarkable dose of learning their lessons from their given genre (though we only see it for one page). The wolf from the Red Riding Hood tale consoles the Big Bad Wolf over losing his tail to the pigs and their brick house, and suggests that as painful as it would be, they would have to change their diets to exclude pigs and little girls - it was just too dangerous. The Big Bad Wolf, looking very glum and having an artificial tail being sewn on, doesn't look like he's too inclined to disagree.
In Joe Haldeman's The Accidental Time Machine our hero, who accidentally builds a time machine which can only travel into the future, shows an incredible amount of genre savvyness. When, after a jump, he is apprehended for a murder he didn't commit, someone of his physique places the exact amount of money needed for his bail with a proxy, even before the bail is even set (and the amount known). The hero then deduces that it must be himself from the future having found a way to travel backwards in order to set him free for his next jump. He then goes on to continue his adventure in relative fearlessness, because he knows he will be alive in the future to travel back into the past.
George Beard from the Captain Underpants books is very genre savvy, more so than usual in the book "The Perilous Plot of the Purple Potty People". Harold Hutchins, the other protagonist of the series (and rather Genre Blind in his own right), is constantly spouting things like "At least it can't get any worse!" George replies in disdain, claiming that whenever someone says something like that, things are inevitably going to get FAR worse (and rightly so, since they always do). When the police arrive to haul the boys off to jail for the rest of their lives, Harold spouts his "can't get any worse", and sure enough the evil mastermind Professor Tippy Tinkletrousers arrives in his giant, freeze-ray equipped pants bent on revenge against the boys.
In the Liaden Universe books by Sharon Lee and Steve Miller, Clan Korval has had plenty of time to become accustomed to its own Weirdness Magnet and Coincidence Magnet nature. As a result, it takes some pretty bizarre happenstance to more than mildly startle its more-experienced members, and they are at least somewhat able to recognize and take it into account in their planning (as when Daav advises Theo that she needs a dependable co-pilot to help deal with the trouble her Korval nature will attract in Ghost Ship). To some extent, the rest of the galaxy has also realized that Korval tends to attract trouble, even if they don't rightly understand why. (Even Bechimo was advised by his builders, hundreds of years ago, against having anything to do with Clan Korval, and yos'Phelium in particular.)
The kids in Hero.com and the protagonist in its sister series Villain.net are familiar enough with superhero stories to hang lampshades and snark, though Lorna inexplicably wanted to try and garner fame with their powers.
Renfield becomes quite Genre Savvy in Bram Stoker's Dracula: when he realizes that the Count is going to cheat him of his promised prize he figures to himself that since madmen are supposed to have supernatural strength, he could fight Drac on at least somewhat equal ground. It actually works, as he attacks Dracula in his smoke-form with his bare hands, and manages to force him back to material form! Of course after that things go downhill for him.
Van Helsing is also genre-savvy—he's a scientist, but having recognized that they were fighting a monster out of legend, he goes to those legends to learn how to fight it.
In Privilege by Kate Brian, after Ariana kills someone and throws them in the lake, instead of just leaving, she puts her favorite necklace on the body and waits for the body to float back up. The police assume that the body was her trying to either escape juvie or kill herself and they cremate the body. She is now free to assume the identity of the person she actually killed.
Nearly every single character in Skulduggery Pleasant, which is fairly justified since most of them are hundreds of years old and so have the experience.
In the Star Wars Expanded Universe, one of Tarkin's cohorts ask him why he doesn't just use the Death Star to blow up Coruscant and become Emperor himself. Tarkin replies that Palpatine obviously has measures to prevent this, and any attempt would just get them all killed.
Over the course of Galaxy of Fear, multiple characters realize that trouble follows them everywhere they go, and especially that it tends to pick up when the kids have been Separated From The Adults - which is also when the books' formula changes.
Hoole: "This is a pleasure. I have left you alone for several hours, and nothing eventful has happened. No Imperial invasions. No dangerous criminals."
In P. G. Wodehouse's Hot Water, Medway, the lady's maid, speaks of how the book she's reading has a detective in disguise as a maid, causing much consternation among characters to plan to crack a safe. Actually, she's the criminal, out to crack the safe herself.
In P. G. Wodehouse's Jill The Reckless, Mrs. Barker notes that having problems getting married is just like in the True Hearts Novelette series. Barker has to explain to her that even though they have enough money, My Beloved Smother will persuade Derek to give it up.
Subverted in Count Zero by William Gibson, where a 16 year-old wannabe hacker nearly gets himself killed after watching too many hacker movies and trying a cyberspace run for real.
In Book Nine of The Iliad, the Greek hero Diomedes doesn't believe Achilles' threats to sail home from Troy because he is fated to die there. He turns out to be right.
In City of Ashes, newly turned vampire Simon Lewis says the following line after Valentine's ship blows up.
Simon: Never believe the bad guy is dead until you see a body. That just leads to unhappiness and surprise ambushes.
Aside from all the Lampshade Hanging in the Aunt Dimity series, there are some specific instances of characters' experiences informing their actions. For example, Lori recounts her friend Emma's excessive optimism in planning her solo hiking trip at the start of Aunt Dimity: Snowbound ("...you can't miss it."); thus, when she has gotten lost and snowed in and she sets out from the main house to check on the caretaker in his cottage, her fellow hiker Jamie gives directions to the cottage and starts to utter the fateful phrase:
"...You can't miss—" I clamped a gloved hand over his mouth. "Don't say it," I snapped. "Don't even think of saying it." "Mmmph," Jamie agreed, nodding earnestly.
Jessica in Demon in my View from the Den of Shadows series. Having written almost 20 books about the vampire world, she knows more about it than some vampires.
In the Destroyermen series, it would be faster to list those who are not genre-savvy. With the exception of a few characters, primarily in the Grik faction, virtually the entire recurring cast is genre savvy to some extent because every character has seen the pitfalls of previous military or technological strategies back home. As the stakes grows higher, the more genre-savvy characters tend to become out of necessity for survival. Some examples would include:
Captain Matthew Reddy - Saw and experienced first-hand the stupidity of the handling of the Asiatic fleet, as well as formally studying naval and military history. He is a huge reason for turning the war from a hopeless extinction to a legitimate fight.
Dennis Silva - A literal master of survival, sabotage, and unconventional tactics. He is the series closest equivalent to a true commando because he has a very clear idea of what he is usually facing and how his adversaries will react.
Chief Gray - Is a non-commissioned officer who has so much time under his belts, virtually no officers would dare give him an order. Being well into his 60's, he has a tremendous amount of experience and skill at his duties, also being able to find problems and accommodate for them fairly quickly.
"Chief Spanky" - Gray's engineering counterpart, who is able to find problems purely based on feel and sound. He is the alliance's most skilled raw engineer and played a supporting role in the advancement of the alliance's technology.
Sergeant Alden - A strategic and tactical genius, despite all of his denial of such. He manages to construct fierce armies that have a very high success rate. On one occasion, he fought off over three thousand better armed Grik warriors with barely 150 able warriors, with a large number literally armed with sticks and stones long enough for the cavalry to arrive.
Song at Dawn involves Troubadours, i.e. people who make their living singing stories of love or courage or bawdiness and so there are many genre savvy to the kind of story they're in.
Estela knows countless love ballads so she knows how the romance genre works. She'll think things like 'how would this work in a song' or 'following the instructions of a thousand songs'.
Dragonetz, Estela's music teacher, sees no point in going to the Court of Love because he's already an expert on Courtly Love.
In Divergent by Veronica Roth, Marcus seems to know he's in a book. He was an abusive father and husband and so the heroine Tris hates him. However he seems to KNOW Tris is the heroine and so takes her threats lying down instead of fighting back, since fighting would make him look more of a bad guy. He plays it very mysterious in the second book, which lessens his chances of ending up dead like ALMOST EVERY OTHER CHARACTER. He also keeps going on about the fact he has a secret and is the only one who knows it, meaning if he dies it dies with him(which would ruin the book). Towards the end he even manipulates Tris into helping him against his wife, who might otherwise win since karma wise, he owes her one. But any enterprise with Tris in it has a higher rate of sucess...He also refuses to take any risks on their mission , making Tris take most of them instead as if he knows that, as the heroine she is less likely to die.
In The Leonard Regime, Ben is always one step ahead of everybody else. He always seems to know what's going to happen next or what the next move is. Daniel also has moments where he proves he is genre savvy.
The narrator of Mr Blank knows he's a noir anti-hero and points out that trusting Mina, his femme fatale, is the equivalent of going off alone, stripping to his underwear, and looking for a cat in a horror film.
Thomas and Minho in The Maze Runner Trilogy, after the first book and a half or so. They start calling most of the stuff they're going to be put through and eventually manage to throw the omniscient WICKED for a loop by anticipating their tactics.