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).
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.
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