There is Kingpin, he is a really buff/fat looking villain.
There is Professor X, he is really smart, and bald and powerful, but stuck in a gimp, space age wheelchair, with a marriage that isn't recognized on earth.
Then there is silver surfer, one of my faves, he is bald, but also made of silver.
So yeah, the horseshoe pattern is lame... I guess Marvel should come up with Horseshoe man, who can summon the powers of his thinning hair. Like his bald scalp is radioactive and he has to where a lead hat to keep things under wraps when not engaged in combat.