I don't actually think either are pointless. Both Fury and AJ demonstrated they are the superior boxers. Both Wilder and Ruiz demonstrated they can hurt the other man and put them in serious trouble. AJ and Fury would be big favourites, but Ruiz and Wilder would certainly be live dogs.
In reality Fury won twice. Joshua - Ruiz is 1-1, but Ruiz did the more damage with the KO. So you do the math