Okay, this talk of "handicap does not reflect putting ability" is obviously pretty silly. Somebody mentioned that a ten handicapper may be a better putter than a scratch handicap. This would be very, very rare. Scratch handicaps might complain about their putting, but they can't be that bad, or they wouldn't be scratch. It is the very rare 10 handicap that is better.
Also, someone mentioned that we need to know the consistency, as a 13 handicap might shoot 95 one day, then break course records the next. This is pretty much impossible. No one has that kind of variability in golf. Bottom line is, I'll take the 5 handicappers at even money, no question. ( Assuming randomly picked golfers of the required handicaps). I'll go even more extreme - if the greens are PGA tour pace, the scratches are almost a lock. On "regular" greens, I'll go with the scratches at maybe 1:15.

Go Ole Miss!
(Watched the SEC women last year, it made me wonder why I'm such a hack, they make it look so easy)