User blog comment:Water Dragon Slayer/DREAM BATTLE CHRONICLES: FIRST MATCH!/@comment-5268982-20130716161959

I think Minerva would definitely win this match. However, under certain conditions, I can see this becoming a challenging fight.

Minerva was not able to take Erza's swords while she held them. If that's the case, Lucy can hold her 4/5 most valuable keys in her one hand, and her whip in her other hand. Then she can use Loke/Aries/Capricorn/Gemini to buy her some time until see casts Urano Metria or another(if she has learnt any other) Caster type spell. OR she increases her Magic power vastly and Gemini learns to transform into Natsu/Gray/Erza/other strong FT member. If she summons Gemini(in Gray's form) + Loke, it will be 3 skilled fighters against one, so she may stand a chance.