A person who trains in martial arts for 'x' number of days/weeks/months/years. But that's all they do, train. They've never actually gotten into a fight, yet the constantly tell you how good they are.
So in all, they ARE a fighter, but not at all.
Gym Fighter: I've been taking boxing for about a year and a half, boy I gotta tell ya, my punches are fast!
Person: Oh really now? Wouldn't want to be on the receiving end of that one.
Gym Fighter: Well, I've, never really been in a fight, BUT if there was one, I sure would be ready....