FifthView
Vala
I'm also constantly feeling that either a) my MC is overpowered or b) her challenges are too wimpy. But, you know, she needs to survive the book...
I haven't read through this entire thread, so maybe someone's brought this up.
There was a Writing Excuses podcast that mentioned in passing how to make a Mary Sue or Gary Stu character interesting, and one point might apply here. Just because a MC is overpowered in some ways doesn't mean the MC is overpowered in every way.
So maybe you could find the particular weakness or blind spot or short-circuit that will throw your MC off her game.
This could mean that she encounters someone with an ability that is unlike anything she's ever experienced before. This could be an offensive or defensive capability that happens to nullify her own abilities. Or it could be something extremely weird (gross, crazy, whatever) that causes a visceral reaction in her that throws her off her game. It could be that her opponent just happens to be a 10-year-old and she doesn't know how to proceed, having mixed feelings about hurting someone so much younger or even an impulsive, perhaps quite emotional limitation on her own endeavors. It could be just about anything. The point in this case might be this: Choosing the right opponents for her to fight.
Another possibility is to consider the collateral damage rather than the opponent per se. So maybe the 10-year-old is not her opponent but someone bawling out "Don't hurt my Dad!" and rushing in, getting in the way. (Again, this is just one example; be creative.)
As far as personal weakness and blind spots go...I remember an essay by Ralph Waldo Emerson in which he mentioned that geniuses are often overbalanced in some regard. So maybe your MC is quite powerful, but she simply makes bad decisions that come back to bite her during a fight. A silly example: She's a glutton and will eat almost anything....but unfortunately she must have eaten something really bad an hour before the fight and now she's having to fight while feeling nauseous and vomiting periodically during the fight; maybe it makes her dizzy. Even though your MC might be overpowered when it comes to fights, maybe she has some other weakness you can exploit that will affect her efforts.
Edit: I seem to be remembering that Writing Excuses podcast as being one about try-fail cycles. Mary in the podcast (I think) mentioned how even Gary Stu characters (or at least, characters who are extremely competent in some regard) can fail a lot. E.g., they may be exceptionally well-fit and great fighters but have trouble working out interpersonal relations or solving complex puzzles. Figure out how your MC is overbalanced in one regard and then come up with ways to exploit the bind side or weaknesses to make the action scenes more interesting.
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