"Karpov would most likely not have won in 1975. Nor later on.
Heck, it took Karpov 20+ years to get a higher rating than Fischer"
Kramnik never got anywhere close to Kasparov's peak rating, but that didn't stop him from winning the match.
"Karpov's camp could not even get 2700chess to post it for years"
Who is in this evil Russian camp that worked so hard to make an online site give him his correct peak rating instead of keeping it below Fischer's? :-)
"Karpov is never going to beat Fischer"
You sound rather certain about this :-)
"I would listen to both Spassky and Karpov, who considered Fischer the stronger player"
Karpov said that he thought his chances of winning the match in 1975 was 40%. That doesn't say much though. Janowski was certain of beating Lasker when he lost 0-8, while Euwe thought less of his chances before beating Alekhine.
I am less sure than you and the OP, the only thing that is sure is that you can't lose any matches if you refuse to play, as Fischer did.
Karpov would most likely not have won in 1975. Nor later on.
Heck, it took Karpov 20+ years to get a higher rating than Fischer (and Fischer's rating would still have him in the top 5 today, 50 years later), and it lasted for such a short time that Karpov's camp could not even get 2700chess to post it for years until he could prove that he went over 2790 for less than the span of a single tournament. When Fischer played the '72 match with a 2785 rating, he had a 120 point gap that is still unequaled (not even close), Karpov wasn't even the #1 rated player when he did it. Anyone that understands how Elo ratings work knows that Fischer's strength relative to his peers of the time was light years beyond Karpov's.
If he could beat all the Russians' adjournment prep OTB (i.e. without prep) by himself (his team was not near the same strength), then it's not hard to believe he could wipe the floor with Karpov, extensive prep or not.
It behooves people to remember that there was no engine prep then, so there was no way for Karpov to really prep for facing Fischer the way super GMs do today. Karpov's team would have been in the same situation as Spassky's team...trying to emulate and predict a level of play *they had no way of reaching*.
You'll be speculating all your life, but Karpov is never going to beat Fischer. Might as well accept it. As for asserting that Spassky could have beaten Fischer in '72...
I would listen to both Spassky and Karpov, who considered Fischer the stronger player...and not because they were being humble.