Luck has a lot of very impressive electrical abilities at his disposal. He can move with extreme speed and that will let him dodge all of Urbosa’s attacks. While she has a degree of resistance to thunder based attacks, Luck uses this to amp up his physical moves to which she will have no proper defense. Urbosa has a lot of attack power but it won’t matter if you can’t land a hit. Luck wins.
Suggested by iKnowledge Samurai Jack is a talented swordfighter who has incredible durability and speed. While he lacks Urbosa’s pure strength, his path to victory would be with quick strikes. Ultimately I would still give Urbosa the edge though. It’ll be difficult for Jack to block her strikes while also working to dodge the lightning bolts. Ultimately this combination will just be too much for him and Jack will go down. Urbosa wins.