If you looking for solo levelling but genderbend then this might not be for you. Personally, I would encourage to keep reading it because it's quite a nice variety from the usual leveling up genre.
For me, she is smart. But not kind of manipulative smart.
She knows how to act in a battle. In Yoo Eundam arc, even two battle maniac impressed by her way of thinking.
But story wise, it won't be like solo leveling or any shounen manhwa. It's different but it doesn't mean that it's bad.
The MC stupid? What?
I got to chapter 26 but I'm hesitant to keep reading because I find the MC kinda stupid... The MC and ML are cute but I keep questioning her actions (or mainly lack of/her passiveness that would've prevented a lot of situations). Maybe I'm not enjoying this as much because I expected this to basically be a gender bent version of other level up/dungeon stories where the MC has like a million plans.