I would agree that they're overrated in the sense that a lot of people cite the Beatles as influences or whatever without really knowing what they're talking about. Just cuz you've heard "Hard Day's Night" and "Yesterday" and love them both doesn't mean that when you get to be a huge pop star you can call them "major inspirations".
However, I don't believe they are really overrated in the sense that they are as good as their given credit for by people who do know what they're tlaking about. It's hard to see their charm and originality nowadays since their style has been repackaged (the same for bands like the Stones, the Who, etc) and resold to us about a thousand times over.
Listen to their transition stuff like Rubber Soul and Revolver, and keep in mind that in 1965, (virtually) no one was making music like that and constantly expanding on the limits of popular music. I think most people who dislike the Beatles have heard some of their really early stuff only, and haven't taken the time to expand their knowledge. I used to think Abbey Road was overrated...then I listened to it.