Yall can laugh all you want but truth is when it comes down to in the midst of battle Naruto always finds clever and strategic ways to win and surprise his opposition. He has shown it all throughout the manga WITHOUT Kurama's help. Naruto might be a clutz and he might be a lil slow at times but in battle his IQ is high level
Him outsmarting the GENIUS Neji at the chunin exams. Lucky?
Having two sage shadow clones on deck while he went head up with Pain. Thats not high level strategy?
He figured out how to seal the 3rd Raikage by having the 3rd impale himself. Thats luck?
He was the 1st to figure out only senjutsu would work on Obito. More luck?
Despite him not having an arsenal of ninjutsu attacks he still has high level moves that if it connects its usually game over for the opposition. Him being an Uzumaki he already has a large volume of chakra without the 9 tails.
If im not mistaken his pops Minato also didnt have a plethora of moves but was still the best shinobi in the village.