I think you need to make a distinction between someone with some fighting training, and someone with considerable expertise. Even a “black belt” is a far cry from someone with true skill and years of experience.
For example, my old instructor’s wife could easily kick my ass - especially if weapons were involved or if we went to the ground. I’m 6’3" 200#, she was around 5’5", 140#. I could probably hold my own boxing or kickboxing with her, which is why she would never box/kickbox me.
But she trained and taught - primarily with men - nearly all day every day.
IMO, the vast majority of her students, while they gained some significant skills, would have difficulty against a committed, significantly larger opponent.
Also, your OP specified karate. It is quite common for individuals to get advanced belts in karate (and other arts) with little or no experience fighting. Your prettiest kata woun’t do you much good in a real fight. And unlike kumite, fights aren’t stopped after the first touch.
To answer your question, I think it would be an exceptional unarmed woman who could defend herself against a committed attacker nearly twice her weight. The main thing training can get a woman is awareness to avoid a confrontation, and surprise, time, possibility of escape, and to dissuade an attacker to go after a less troublesome prey.
When I started fighting NHB bouts, I was 185#, right at the bottom of the heavy weight category in most fights. Accordingly, I was going up against guys as large as 300#, with roughly similar skill/experience level as me. Once they got more than 30-50# heavier than me, it was a big advantage - especially if they got on top of you on the ground. Also, most big figthers punch really hard, and are able to absorb some damage.
Royce, and Rickson, are pretty exceptional athletes. But look how quickly the UFC got dominated by huge wrestlers.