Ruby Riott is the only member of the Riott Squad that Charlotte hasn't beaten in one on one matches and since she's the leader, it's logical that Ruby would be the one to face Charlotte with the title on the line. Personally, I think Ruby makes a better babyface even though her appearance certainly isn't that of a traditional babyface. She did really well as a scrappy, fiery, tough babyface in NXT while Charlotte is infinitely better as a heel. This should be a pretty good bout, though there's about as close to zero chance of Charlotte dropping the title as there can be. As I said in the tag title thread, I don't see any titles changing hands so close to WrestleMania and that'll be the case here. There'll probably be some shenanigans involving Liv Morgan & Sarah Logan and Becky Lynch & Naomi, but Charlotte ultimately retains here.