I'd say there are more. Courage the Cowardly Dog? Very much in the lovable loser camp. The Eds from Ed, Edd 'n' Eddy also fit, but I suppose you could say that's a Canadian show.
Courage always overcomes the challenge by being brave even though he is scared.
Those shows are also on purpose far out and weird in their style and story telling.
Indeed, also a great example of a failing bumbling lovable loser who is frequently considered a hero to many Americans is Homer Simpson. Homer Simpson is a hero to many people in America, especially among the working class. It's not a pure example, because Homer does inadvertently succeed often, but it's almost always because of some crazy luck, not because of some skill or even perseverance.
I largely agree with Douglas Adams assessment of the cultural differences. I think it's pretty clear that he is on to something in a general sense. But there are definitely exceptions in my opinion. It's just way too diverse and way too complex a formula to ratchet down in such a narrow way.