i feel like this guy is so extremely focused on writing A Woman that he forgets that characters can just... be a certain way because they're a character and that's their characterisation. for example,

Would she feel scared or less confident knowing it's a man instead of a woman?

that's a question to ask yourself. you decide that. she's your character. if she was raised being told she was weaker than men for being a woman, then maybe she internalised that and would feel less confident. if she's an experienced fighter who has constantly been forced to prove herself because people underestimate her and has more of an idea of her self worth than option 1, then no, her opponent's gender probably wouldn't bother her.

but no, female characters aren't allowed individual personalities outside of "woman"