This is Post time skip Luffy and Zoro, And pre time skip Moria and Kuma. They are in character. Fight takes place at Sabaody Archipelago
Luffy and Zoro would still probably lose. Moria would be the first to go though, there's no way he can compete with current Luffy and Zoro but Kuma would still probably be too much.
I'm thinking this through story-wise and the way I see it, when they do meet up Kuma he'll probably win but with more difficulty but then they'll probably end up beating him in the rematch or something.