Have u ever been in a situation when people either challenge you or say stuff like "if we fought would u win?" when u tel lthem u do karate? if so what did u do or what should u do?

Hey fellow karateka! hope y´ all are doing fine.

So the other day I met some guys and well we were talkin´about ourselves and i mentioned I do karate and well a guy challenged me to a fight and I denied it if it was fighting for the sake of violence, like I could fight you if its to improve our martial arts together and with gloves or mitts or protection in general.

However, another guy asked me "if we were to fight, would u beat me?" now , the guy has never done a martila arts in his life so its quite likeley that I would beat him but I feel it´d be kind of arrogant to just say: "yes i would" but also dont wanna give like a false sense of security to him.

So with all of this in mind, I wanna ask how would u guys adress this, I also ask this here because I´ve been told im kind of a big mouth and normally I try to be really carefull with what I say,