The Warlock has stronger units than the Wizard – that’s one thing.
The Warlock’s attack can be 15-20 points higher than the Wizard’s (and that’s practically doubled damage) – that’s another thing.
Besides, the Wizard spends 1 turn on a counterspell (since it’s a skill), while the Warlock spends 0.7 turns on spells (since they have Enchantment) – and that’s a third thing.
Therefore, I think it’s not always beneficial for the Wizard to engage in such an exchange.
As for the Dwarves, the Warlock’s CHAOS potential is so great that a large amount of HP and magical resistance may not help. Although, it’s true that it’s better to fight Dwarves with summons.

1. Undoubtedly, but let’s not forget about the miniatures, and they turn out to be impressive for the Wizard at levels 15-20.
2. This is about what level of heroes we are talking about. Since in your case, we are talking about an attack value of 20-25. In my case, the main heroes clash when they are at levels 17-20. Even when I go down the path of strength rather than magic, this value does not exceed the hero’s level, and is usually 2-4 points lower.
3. Enchantment does not work in this case. So, such an exchange is very beneficial for the Wizard. You should hear how I cursed when I first encountered this tactic:smile04:

Added after 1 hour 33 minutes
Oh, I almost forgot:D

We are talking about a pure Chaos Knight.

As I said, we are considering a level 20 hero.

It turns out something like this:

12-3-21-11 (taking into account artifacts)

Expert Undead – Arcane Wave + Dark Regeneration
Expert Chaos – Secrets of Chaos
Expert Education – Magic Attraction
Expert Enchantment – perk that reduces the cost of spells by 20%
Expert Luck – Soldier’s Luck + Enchanted Luck

Such a Dark Knight has no chance against a properly developed Wizard, even if the latter is a couple of levels behind in development.

And against a properly developed Dwarf, the chances are also very small (he will tear him apart due to runes and light magic)