Yes Dragons are way underplayed. I've DMed adventures where not even the strongest of parties can kill an ancient red. Simply put, they did not use near the tactics a true dragon would. After all, what dragon lives that long without knowing how to destroy all that opposes them. And above all else, most dragons even if they were overmatched would be smart enough to retreat, then harass the party, picking off one or two when convenient. Dragons are supposed to be the most powerful mortal creatures in the game after all.
As for liches, again they truly underplayed them. Most exist for centuries and have magics that may have been lost to the present time, i.e. the time of Netheril, if you are completely familiar with Forgotted realms than you know this to be the most powerful realm of mages to ever exist. Some liches would date even that far. ALso, there is the idea about a lich's phylactery that makes them impossible to kill unless you destroy the container, or they will just keep coming back time and again.
Now Dracoliches, the combnation of these two, the strengths of the original dragon with the ability to keep coming back unless the phylactery is destroyed, now THAT is something to truly fear.
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