Never underestimate your villain. They are more clever than you think they are. Creating them goes beyond having them do bad nasty things to your main character. Oh no. They go much deeper than that. They must know your MC well in order to know how to act against them. Part of the villain getting to know your MC means they must get to their weaknesses, AND they are well gifted at getting to know this information, AND they will know exactly how to use it against them.
Your villain is the architect of the inciting incident and the stories plot twists that follow. Their job is to create tension. Think of them as the mudslingers. They throw everything they can think of to thwart your MC.