That's assuming guy 3 ever won a fight. If he spent all that time getting beaten (perhaps because he went in with really bad ideas of how to fight), then he'll probably be tougher, but he hasn't really learned how to fight. Now, if he manages to learn a bit from every fight, win some and lose some, and get toughened, my money is on him.3 would have easy work all day, 10 times out of ten.
Let's use another example.
1: knows the name of a bunch of tools and what they are used for, but has never used them, and can barely lift them.
2: strong back, no idea how to use tools
3: has been building houses for years.
Who do you want renovating your basement?