I've never had any real issues against Terra players. That said, most Terra players I've played against suck at life. If you rely on block staggering to land HP damage, she can be a pain in the ass, but if you just use chains you can kill her just like anybody else. In EX that changes of course, her EX is Hell to fight against. In most cases, I spend her EX duration running for dear life (and hopefully avoiding any hits, I don't like when people ruin my perfects)