(I only know the comics second-hand and I've only seen a fraction of the MCU)
I doubt how much advantage Peter Parker gets from his photography gig. I get the feeling he only maintains his cover by living such a humble, even sucky, life. It's something my dad always loved about the character. Peter Parker *is* a good boy and student who tries to support his aunt... and then somehow finds the time to be a wisecracking, relatively low-powered superhero. He's a lot like Mumen Rider. Technically his spider-powers can be OP, but being a low-rung hero is pretty core to his concept. They're both good at traveling and then being very brave (and lucky).
A+ best MCU hero
Clark Kent doesn't seem to have a lot of "pull" at the Bugle, though his powers like super-hearing and vision allow him almost perfect surveillance of the whole operation. I wonder how much he interferes, like destroying photographs? Superman has that whole paladin thing going on which I hated as an edgy teen. I feel like he might interfere to help other heroes, but not himself.
Counterpoint:
Superman supposedly does a ton of outright evil stuff in the classic comics, at least in the covers. But I'm pretty sure that's mostly a marketing strategy (and also that he got SO many comics)
The Punisher is a serial killer with a quirk. ...I'm mostly just recalling old beef I had with the character in arguments. The TV show a few years ago did pretty well with him, I think. But the classic video game Punisher was a disgusting display of wanton violence and I wasn't comfortable with how much my younger brother tried to defend him. The whole point is that his quest for revenge only causes more harm. coincidentally my brother worshiped cops back then
And then Batman. I used to love Batman a lot because he represented my edgy teen power fantasy: having no super-powers but "smarts" and baseline athleticism, and being 100% non-lethal as a dab. I never really thought about the wealth thing, I just wanted to "be the night" and make a lot of baddies fall safely asleep. I didn't know about the criminal justice system either. Nowadays, eh, I think I still like Batman. It's shitty to go around beating up criminals, but using one's resources to fight supervillains is probably praxis of a sort. I don't understand why people blame him for his villains... was that something the Joker claimed in the movie trilogy? It's nonsense IMO.
Daredevil seems pretty cool. I love closing my eyes and listening to the sounds around me, and he seems like a moral guy in the live-action TV show. A badass defense attorney is nice to see in a world of vigilantes.
Flash is the best character because he can run so fast that he hacks the universe, also he's funny and generous I think.