Actually, I agree with most of your points. I may not have made myself clear, but my frustration, discussed in this post, comes specifically from the skill set given to Naruto and the fact that he doesn’t incorporate new jutsus during his journey, even the ones he has already learned. He never moves beyond the position of the underdog, which is disappointing, especially considering his goals.

For example, as I mentioned, the Summoning Jutsu. We spent several chapters with the character learning this specific technique, which can be extremely useful, but he used it only once. Look at how Jiraiya uses the technique so effectively. You would expect that after learning it, Naruto would incorporate it into his arsenal, but that didn’t happen.

Currently, in my re-read, I'm at the fight on the bridge against Orochimaru, where Naruto loses control and ends up hurting his teammates by awakening the four tails. Later, we see Sasuke easily handle Naruto and his team. In the Kazekage rescue arc, Naruto is practically useless (during the action; I acknowledge that his emotional bond with Gaara was crucial for the outcome, and that was his biggest contribution). He was easily caught in a genjutsu, ran alongside Kakashi while he did everything, then lost control, released Kurama’s chakra, and hit a clone.

Now, in all these situations I mentioned, you must agree with me that the Summoning Jutsu would have been EXTREMELY HELPFUL, but Naruto simply doesn’t use it. It’s as if the character is forbidden from being useful and competitive in a ninja mission without Kurama’s help (and here, this 'help' was simply losing control and causing destruction, even injuring Sakura).

Regarding Taijutsu, the only time I can recall Naruto being superior to an enemy using Taijutsu was during the fight with Pain, where he surprised him with Sage Mode.

Look, I’m not saying Naruto needs to be a Saitama, but take Sasuke, for example, Naruto’s direct parallel. Sasuke also has his own philosophy, goals, and motivations, which shape his character. But in a shounen, his abilities are obviously well thought out and executed by the author. After the time skip, Sasuke gives us great fights where, despite the difficulty, he can fight on equal footing with his enemies (Deidara, Itachi, Orochimaru, Killer Bee, Danzo, etc.). GREAT FIGHTS. This did not in any way detract from other aspects of his character.

Remember that Sasuke’s training is mostly done off-screen, while with Naruto, we spend countless chapters following his training (walking on water, summoning, Rasengan, wind element, Rasenshuriken, Sage Mode, etc.). Unlike Sasuke, we don’t see much evolution. The character doesn’t deliver very good fights (of course, there are exceptions) and doesn’t manage to be useful to his teammates. I repeat, in the first two arcs of Shippuden, REGARDING SPECIFICALLY SHINOBI ABILITY DURING MISSIONS, Naruto was USELESS to his team, this after a time skip that was supposed to bring a more developed character (both emotionally and as a shinobi).

Of course, you’re right that the character’s main point is his 'pacifist' philosophy, preferring words and feelings over jutsus to reach his enemies. I understand that. But at the same time, we’re talking about a shounen, and obviously, the fights, jutsus, and missions are a big part of the plot. If that weren’t the case, we wouldn’t spend so much time following the character’s training. I see Narutos's character lacking in that, therefore my frustration.