I wouldn't be talkin about dumb, if I were you.
Anyways the reason why he's underrated imo, is because he didn't keep up with the beef towards Saigon. There's a youtube video of Joe Budden specifically speakin about the fact that people wanted him to continue the beef but he didn't want to because it was becoming reality, it was becoming real beef. More than showbiz beef.
So the reason why he's underrated is because his fans are stupid as shit and want him to follow a trend that isn't even hip hop to begin with. I totally agree with Joe Budden on backing off.
The reason why I don't like him was because of the fact that he was egged on to get involved with Saigon when Saigon doesn't give two shits about him. I dislike people who get manipulated by others in the game of hip hop. Thus is why I prefer independent labels.. they're free and don't have to follow some stupid trend just to become popular.