Zelda is a bit harder, as none of them are shown to be particularly unwise. If we’re equating “wise” to “intelligent” then the only Zelda that comes to mind is ST Zelda, who generally seems to come off as below average to me. The only issue is that she never has the triforce, so she’s not really in the running.
I feel like the Triforce doesn't
give you the traits it embodies, just amplifies them. OoT Link literally fought a giant spider, ReDeads, and a giant lizard monster thing, then had massive boulders rained on him, had to put up with Ruto, and then got shocked by Ganon's energy ball thingy right after he watched the person who gave him this whole "find the spiritual stones" quest run away in fear, and
still kept going to the Temple of Time. Imagine being a 10-year-old who's never left the safety of your forest, and then looking a ReDead right in the face. That takes a lot of courage to not just run away screaming. It's my belief that Link, Zelda, and Ganon are already a lot more courageous/wise/powerful than most people, which is why the Triforce chooses them. Therefore, I think having the Triforce or not is irrelevant, just expect them to be slightly less courageous/wise/powerful without the Triforce than without.
edit: also zelda 1 link is the most courageous person you'll ever meet who doesn't actually have the triforce