As the legendary hero with limitless potential, people underestimating your actual fighting ability based on superficial matters is amongst the greatest asset you can have.
Yet; as you admitted before, X and Zero walk out of every fight -barely- being the victor and suffering from large amounts of damage. When that is the case, be it unlimited potential or not, that's an aspect of luck. Not skill.
Really, every single person that underestimates either X and Zero will simply crash and burn, regardless of them having stupid stances or being a master of Ansatsuken.
Again, barely winning. It's not as if X and Zero move in, take out a Reploid and leave unscathed. While they do have knowledge of how to survive and push themselves through a fight, that can narrowly be justified as the end to the means.
Not to mention, in a world where warriors can have the most diverse of abilities thanks to the advancements of technology, a world where these warriors are created by scientists, you really have to think twice before determining someone's ability based on the silly stances they've self-taught or have been programmed with.
Now, see, here's a problem. Whenever we see videos of Zero fighting Sigma toe to toe or X just barely getting out of a death situation with Sigma, their fighting styles are... back yard bully at best. Zero swings wildly at Sigma's head, constantly. While they are aimed punches, he places too much power behind them, which is why Sigma was able to use that power against him and literally slam him against the ground and through the roof. That was the right approach, using your enemies strengths against him and making it a weakness. Furthermore, when looking at Zero's slashes, you can see he goes at enemies in game with the grace of a fly swatter, as well as making poor movement choices like a jumping, turning around the back slash.
Showing your back to anything while your using a sword is one of the worst moves you can possibly do seeing as when you do that, you create a large blind spot for yourself from behind while you're turning, leaving your back exposed for a good moment to be attacked. Also, his three stage attack in X4 is flawed as well, when he slashes down, it's a good momentum built up, but he goes into it too far down, leaving his face, chest and forearm too exposed. His second slash coves a wide arc infront of himself but towards the end when he opens up his entire body is open to attack, and his third slash, he lifts his sword too far back to come down with, leaving him open yet again. His sword techs, laughable movements at best due to them all putting too much power into and poor foot placement that his weight can be used against him to flip him on his back.
Sooo when you make the point that scientists give them these abilities and fighting skills or techniques, it only makes that claim worse seeing as how his attacking in all games are poor, put too much power into them, and not guarding the body enough. Needless to say that while the rest of the Reploids tend to be no better off, I can see how they win constantly, yes. Yet the only one who seems to have the foundation (Stance) well enough is Marino. Who'd I'd bet would be able to take Zero in a fight of skill. (What can I say? I'm a combat nerd. >_>)
Titanium [tornado fanging] X!.... Or Titanium-Z!!!
And really, a regular Repliroid can't even dent a ceratanium wall, the alloy which Rockman is made of. What makes you think regular people, both humans and repliroids included, stand a chance against S-class Hunters made from the far more resilient Titanium-X or Titanium-Z? That's disregarding even what other type of damage deflection is implemented into their bodies. X's skeleton alone reduces 93% of all damage!
*thinks about it* Okay, I'll give you that, although I question how Rock is made of ceratanium when he gets dents/broken parts/missing parts from battle all the time. Is it a matter of density?
I can see why someone might not appreciate it, but this is RPM. If you can't deal with crude and insulting, Sub Tank and Hitomi will eat you alive. 
Thing is that I wouldn't mind that, as long as said person was funny or at the least part, witty. Then I could laugh about it. Sub Tank does it in a funny way, witty and sometimes perverted way which is still funny, Hitomi does it in an odd--blunt yet somehow funny way. This guy... not so much. Sooooo I'm just not going to waste time with someone who thinks they're funny but aren't?