Terra Branford is one of the stronger Final Fantasy characters. The fact that she has mastered all of the elements and a considerable amount of summons is worth mentioning. She also was able to go up against Sephiroth even if she didn’t win. I would not place her above Lightning though. The speed difference here is pretty critical. Lightning can also match all of Terra’s offensive moves and then some. Her manipulation over time is an added bonus. I see this as being a pretty intense fight but one that Lightning would ultimately win.