I'm unsure about ELO. In ELO, the 5* is usually the one that should be dealing the damage, not the one being the DR.
Lady is popular, I mean she is a 6/8 -4 damage min. 1, how can someone hate that?
Using Herman over Lady is somewhat like using Havok over Chloe/Miss Chloe in a sense of ELO.
I always use Lady over Herman in DM, but that's DM. I don't know who I'd use in ELO.
In the end, it's all about the playstyle of the player. Test out both now, since it's still early in the week and see which suits your playstyle
The Havok/Chloe comparison is alright, but Lady is FAR more competitive for the 5* slot than Chloe is.
Both Herman and Lady are fine cards. My first instinct would be Herman, but Lady certainly has her merits. She is obviously stronger against SOA, and is pretty low risk nuke against a lot of draws (especially when you have the hard hitting Oxen and Rubie to strike back with force).
Try them both.
Yeah that's nothing like Chloe or Miss Chloe. Both of them aren't anywhere near usable since they're pretty much solely DRs. Lady is usable as an attacker. Lady is one of those characters that's a pain in the ass to fight against if you're not playing an SoA clan and hard to use well.
It's really personal preference. I think a more appropriate comparison would be Wendel versus Jose Star. Just preference.