Can you recommend some urban and fantasy novels where the main character has the ability to act tough from the beginning?

Keeley, a simple plain Jane, hits the jackpot. [No, she did not win the lottery!] At least that's what she thinks when she marries the most eligible bachelor in New York City: Aaron, a wealthy cold-hearted heartthrob and Tycoon. She wants to show the world that she deserves her position and bends over backward to fit into his world. One beautiful day, Aaron hands her a document asking her to sign. A divorce paper... "She's pregnant, and I need to take responsibility." That is the last thing that keeps on playing in her mind before she takes her last breath. Keeley dies, a 'hit and run'. [End of story. Not!] For some unexplainable reason, she wakes up as her younger self. A young high school girl, around the time when she first meets her cheating husband. Remembering her life with Aaron before she died, she makes a promise to herself that she will do everything in her power to avoid him at all costs. Will she be able to keep her promise when Aaron has his own plans as well, specifically for her? Or will she repeat history and fall for him once more... Why not journey with me and find out the truth behind their story. *Cover art by polkadottedscrunchie*

"Serial killers? Ancient Martial Artists? Swordmasters? I don't give a rat's *ss who you are! All will bow before me!" Five years ago, his family was wiped off the face of this Earth, and the useless Ye Chen was looked down upon like an earthworm crawling on the floor. However, five years have passed, and he has mysteriously returned with a head full of earth-shattering abilities. What is even more terrifying is that he is now backed by the strength of a hundred ancient elder spirits! With all of that in his grasp, Ye Chen has returned not to reminiscence, but to exact revenge on all of those who have wronged him, especially the mysterious Man.

Bell Cranel was rejected by every familia he tried to join until he met Hestia. In a few, he was rejected quite violently. And in one particular instance, he was thrown out and bashed his head against a wall. Well, that's apparently where I come in. Not sure how and why I'm here. Not even sure who 'I' really am at this point since Bell's memories are definitely clearer than 'mine'... But I guess we're doing this. Hopefully I've got some useful cheats. Maybe?

Zhou Yun transmigrated to a fantasy world and was bound to the God Tier Epiphany System. He could enter into a state of meditation and achieve epiphanies that others desired regardless of what he did. Other cultivators immersed themselves fully in hardcore training in order to achieve some improvements in their swordsmanship. On the other hand, Zhou Yun achieved enlightenment in swordsmanship by merely picking up a sword and playing with it a little. His swordsmanship attained perfection in an instant. Other cultivators trained hard in order to break through to the next plane. Zhou Yun merely swept a glance at the fallen leaves in the courtyard. Then, he had an epiphany and broke through to the next plane on the spot. He had insights into everything in the world, and his rate of plane progression skyrocketed. When other cultivators finally became powerful existences after going through various hardships, Zhou Yun had already become the supreme existence through having countless epiphanies.

Yang Dao is an orphan. He does not speak much. He is so introverted that if not for his grades no one would have even known about him. One day it all changed. A red helicopter landed in front of him and a black-haired beauty walked up to him. She spoke in a joyful and emotional voice, "Young Master, this servant finally found you." ... Follow Yang Dao, a boy blessed by the heavens. A guy who was given four familiar spirits by the heavens. DISCLAIMER: THE COVER IMAGE DOES NOT BELONG TO ME.

After reincarnating to being a small-fry cultivate on a dying cultivation family on Double River Island, Chen Daoxuan thought that his life and future would be dim. Until the day when he turned 16, he discovered that he could actually store and accumulate his ability to understand knowledge...