2 general types of MC - not intelegant in general with will power and rough streght (Naruto/Luffy/Natsu/Ichigo) and overpowered and smart - Kenshiro, Jotaro, Kenshin.
Don't no the latter three ones, but I get your point.
Well, Deku, I mean Izuku, is given his power, but it's his job to learn how to control it. But there is of course, a lot more to to his character than these two descriptions. He can be quite the crybaby, is humble, and a little bit dorky. And even if he's turns out to be like option 2 of your description, it's not generally something negative in my eyes. It's up to the mangaka how he decides to portray Izuku and if he can break those walls of stereotypes.
Btw, can you tell me a little bit about Nanatsu no Tazai (or whatever way you write it)? So far, the whole reason why I have been avoiding it is b/c of - don't hate me- the female main character. I hate it when girls are becoming objects for fanservice (I saw this part where Meliodas was grasping her boobs, -.-). She doesn't give me this boastful and confident aura that I get from other girls such as Sakura or Nami. And can she contribute to a fight? I don't like it if girls get protected 24h. Granted, I've read somewhere that she does help out the seven sins in dire situations, but it's not making strong a impression on me. I'm generally someone who likes action chicks 
But I'm willing to give this manga a try b/c it is given a lot of good praise.