Captain's don't normally become involved in hand-to-hand combat by the time they make it that far in the Fleet career path. So, no, even if she fit your profile of 'physical', she still would not have seen a great deal of combat time.
Oh? Kirk had plenty
of hand-to-hand combat. And who can forget the scene in DS9 when Sisko finally had enough of Q's shenanigans: "You hit
never hit me!"
Why not get Kirk, Picard, Sisko, and Janeway in a fight (young, TOS-series era Kirk, not movie-era Kirk). Of course, we know Kirk's shirt would rip first. But whose else would you like to see torn?
Or do they just make captains' uniforms out of stronger material in the 24th century?