Unrated, unless is really low rated I wouldn't accept the challenge not because of fear but is because it isn't fair, once a beat like 10 times a 1500 player on blitz and lose 2 times against him and I end up losing points, so if I want to win some points I have to beat him 10 times and only lose 1 to win like 5 points, not fair at all
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I feel that I can improve quickly by playing people who are better than me. That's why I've decided to send out some daily chess game challenges to high rated opponents. This may be a trivial question but is it better to send unrated challenges so they have nothing to lose, or rated challenges, so they know I'm serious about the game?