Fern vs Divided Loyalties
Dragomas. Dragomas will underestimate Fern by thinking she's just an eighteen year-old apprentice and will try to hit her like he did Alric. It works perfectly.
Winner: Dragomas no diff.
Mathilde. Fern will try to use the only offensive spell she knows and Mathilde's belt burns it from her memory. While Fern is stunned, Mathilde hits her with a sleep spell.
Winner: Mathilde no diff.
Cython. Since ice dragons don't have innate magic resistance, Fern shoots Cython down with Zoltraak-47.
Winner: Fern low diff.
Egrimm. Egrimm bribes Fern with Cleansing Glow to take the L.
Winner: Egrimm mid diff.
Johann. Fern blocks his railgun and lasgun with ordinary defensive magic and hits back with Zoltraak.
Winner: Fern no diff.
Kragg. Flight isn't an option since Kragg can dispel it, and his magic resistance is a big problem for Zoltraak, but Fern has longer legs, so she may be able to put enough distance to charge up a strong enough Zoltraak to overcome his magic resistance. If she can't, Kragg tags her with his hammer, earning him the win.
Winner: Fern high diff.
Hubert. Boss battle for Hubert. His lightning is useless against Fern's defensive magic, but his flight would allow him to reach her and may make him nimble enough to dodge Zoltraak if there's enough terrain. Lightning Storm would lock her down enough to make the fight easier, but he doesn't have that spell yet as of the last time his statblock was updated so can't count it.
Winner: Fern low diff.
Gretel. Zoltraak shoots much faster than Steal Life, but Fern has no answer to direct damage spells. Fern wins in a duel, but pre-battle positioning can score either the win.
Winner: Fern mid diff.
Asarnil and Deathfang. Asarnil's holo-field makes hitting with Zoltraak a pain, and if they close to melee it's all over.
Winner: Asarnil and Deathfang high diff.
Nagash. Nagash fought Sigmar in melee, Fern has Zoltraak and lies about her power level.
Winner: Fern no diff.
Context for those unfamiliar with the character: