TBH, I don't find any overrated. Judy or Raymond seem like an obvious answer (and I'm guessing are mentioned a lot here, I'm not reading the posts because seeing people bash villagers bums me out) but both have really cute qualities (Judy has what many would consider pretty colors, as well as a very expressive and lovely face, and Raymond also has a darling face, super cute eyes, that cute hair tuft, and cute glasses) that make them pretty obvious favorites. I mean, are there some people who'll jump on board any hyped up villager just to be part of the crowd? Sure. But that's an issue with the person, not the villagers (I mean, not a big issue with the person, I certainly went through that phase when I was younger).
As for underrated... Paula and Ursala jump to the top of my mind immediately. Both are favorites of mine and yet I NEVER see people talk about them! Ursala especially (though Paula's little toof, visible in my avatar, is almost unbearably precious... pun not intended, but now I'm owning it). Ursala is one of my top favorites, along with Dobie. When I first came on this forum, people were sharing tier lists of villagers. Dobie was in the top or second tier of almost all the lists I saw for crankies and I was like, "Well, DUH, he's perfect" but then... I saw Ursala was near the BOTTOM, if not in the VERY bottom tier for sisterlies! I am genuinely baffled as to why. Her face, her hair, her freckles, her expression... all
flawless. I mean, LOOK at this gorgeous girl (and I'll toss in my Paula photoshoot, too):
Both are PRECIOUS. And both totally fit the sisterly personality. I mean, sisterlies are sort of gruff on the outside, but sweet and intensely caring on the inside... what could possibly fit that better than a BEAR? TBH, I think sisterlies in general are underrated. I feel like I see so many people saying "sisterlies aren't my favorite, I don't like any of the sisterlies, etc." but I think that's totally unfair. Maybe it's because I feel like I kind of fit it, lol, but I find their personality to be... well, honestly, the best. They're just so fun to talk to and pal around with!
Another underrated one (and, yes, I have more photoshoots) is Shep. I mean, he seems pretty popular, but I rank him up there with Raymond (Raymond slightly more, just because I'm a cat person). But Shep is a handsome fella and, IMO, the top dog (Mac is a close second, and Lucky is great but I'm not sure I even consider him a dog as much as just a creepy villager, lol). The way his hair covers his eyes is SO cute. When I had him on my island, after finding him on a Nook Miles island, I fell completely in love (in fact, I'm considering moving him back at some point he's just so cute, lol). I feel like a lot of dogs look kind of top heavy with their heads, but Shep's hair makes his head feel more... IDK, appropriately sized? It also adds a bit more of a unique feeling to him, which most dogs lack IMO (don't get me wrong, the dogs are nice, but many feel interchangeable to me for some reason). Also, if you thought he totally lacked eyes... you would be wrong:
(this is one of my favorite photoshoots, lol) As you can see, he has tiny eyes hiding under his fur. But one gets revealed when he's surprised or really excited! Also, I love the fact that his hobby is education. Not only does it fit him well (in my head, I had a backstory that he was one of a litter of kids on a farm, but left to see the world and learn as much as he could, as seen in my photoshoot), but it means he often wears glasses. EVERY TIME I saw him in those glasses I'd laugh and be like, "Really? THAT'S what's going to improve your eyesight?" but I could totally see him saying something like "I CAN'T cut my hair! It's most of my personality!" So, yah. Super cute and underrated.
Next, Bonbon. I can't remember when I first saw her, but when I did, I remember thinking "What a unique villager!" And I still think that. I mean, her face is just so different from other villagers. Her eyes especially feel unique. And she just looks like someone really put a lot of thought into her. I mean, her unique eyes, her cute hair, rosy cheeks that match her eyeshadow, and her best feature- that PRECIOUS crooked smile! She is just such a lovely gal. Here's a photoshoot I did, though I just realized all of the pics have her eyes closed/covered... oops!:
And last but not least, Vic. Now, I just realized I forgot to do a photoshoot with him (just another reason I think I'm going to bring him back at some point, he's just an epic villager). One of my favorite things to do with villagers is make up backstories for them, and Vic was one of the most fun and also easiest. In my mind, he was the first villager on the island (again, in my story, not really), having shipwrecked there long before Nook and friends arrived. He knew and warned the villagers about the island's haunted history, and also told them stories of his sailing days. In fact, one of my side characters once sailed with him! He had his own little corner of the island with washed up barrels and the remains of his ships (like the wheel). And... now I REALLY want him back, lol. I think I'll move him in once I'm done with Sprocket (if... anyone knows of a shop with him, or has his Amiibo, lemme know!) Anyway, enough about my story. He also has a fantastic look. While I forgot to do a photoshoot, here's him telling scary stories in the town holiday pic:
You can't see it in that pic, but he has the most GORGEOUS pale blue eyes. It seems like most villagers I've seen have dark eyes, which make his baby blues stand out that much more. Plus, his whole viking/sailor look is fab. The beard really ties it together... and the little freckles soften it up in a delightful way. Also, I love how he has a default helmet... but can still put proper hats on top of it. Honestly, he's just a fantastic viking bull for any island, but also FULL of possibilities for people who like to have stories for their villagers!
Anyway, I could go on and on about my favorite villagers that I feel like deserve more recognition... but I also feel like this post is probably gonna be big enough already, so I'll stop here, lol.