I was wondering how long it was going to take before someone asked that question. I think the outcome would be the same in both Situations. Well then, in the world of Matrix, I think Buffy would have no chance. Trinity knows how to exploit her environment, you know, jumping across building tops, through windows, etc. I believe that in the real world, name calling, and childish taunts are all that would be required to reduce Buffy to a sobbing, blubbery mess.
Trinity wins hands down in both situations.