Generally, I agree with this. I always said comic book films...and ESPECIALLY sequels...hinged on the villain. It's why Spiderman 2 is GOAT and Spiderman 3 is trash.
IMO, Marvel has flipped that somehow. They're so good at building and progressing their own characters, and their overall universe, that the marginal quality of the villains hasn't really mattered to me.
They may not create great villains, but they've been good enough. And when they haven't, like Thor 2, the rest of the story has been interesting enough that I didn't much care. They've essentially made villains as trivial as the macguffin in a Hitckcock or classic film noir. They exist almost exclusively to push the plot, and the main characters, forward. What they are and do ultimately doesn't much matter. It's kind of amazing actually....