Just to sum up all the said above,
Jacques is NOT overpowered for equal or higher level fights. He is fine.
However for those who are under-leveled, sitting poor with Castle level 20 and screaming about Jacques destroying their gold defenses, I would say...
Please guys Take your time. Go build your castle and a better defense.
Get your own Jacques if you want to fight PVP with other players and win.
Work hard on him to make him strong, as others do.
Upgrade your barracks and level your armies up, build a good layout that can shield you long enough from Jacques bullets, because when he is out of ammo, he loses 90% of his potential power.
Choose right heroes to fight against him, because if you just put "this" and "that" hero without any sense - you will lose even against no-Jacques enemy.
Whiners SHOULD LEARN first.
P.S. I am playing AOC 2 months, but got Jacques only 2 weeks ago, so I went all the road with my own efforts and all other heroes except Jacques.
As you see, you can start and go without him (SURPRISE!) for a long time in the beginning, but later game requires this very hero to stay competitive.