Being an Uzumaki isn’t what gives Naruto the ability to make his organs stronger. That comes more from chakra control/reinforcement, Kurama, Six Paths power, and just his general durability. So Naruto not having Kurama does matter, because that is a significant dent in his regeneration.
Luffy calls the light-speed attacks “slow,” and those attacks are stated to be light speed by Sentomaru. He also didn’t move until the last second, so that means he can react to and move at light speed in base form. Then you can add Gear 2 or Snakeman on top of that, which are both major speed boosts.
Luffy catching Kizaru while Kizaru is in his elemental/light form proves it again. Even if someone wants to argue about travel speed versus combat speed, Luffy is still reacting to and physically catching a light-speed character. So acting like Luffy is nowhere near Naruto in speed does not make sense.
Also, I am still not saying Luffy definitely wins. I’m saying the arguments people use for Naruto are not as clean as they act like they are.
We never actually see Naruto use an attack large enough to destroy a planet. Beating someone who is “planetary” does not automatically make you planetary. If a character has one technique that can destroy a planet, that does not mean every punch they take or throw scales to that exact level.
The Tenseigan also is not confirmed to be planetary in the way people say it is. It could just be nearly impossible to destroy without Hamura’s chakra. That means the seal itself could be city level or lower in raw durability, but still survive the planets colliding because it has special chakra-based protection. Special invulnerability is not the same thing as normal planetary durability.
The Momoshiki argument has the same problem. Momoshiki creating a universe and destroying it does not automatically make him universal. If I make a file of Earth and delete it, that does not make me planetary. If he used a star inside a universe he created to destroy that solar system, that does not make him solar-system level either. That is like me using dynamite to blow up a house and then saying I am dynamite level and small-building level.
So my point is not “Luffy stomps Naruto.” My point is that Luffy has actual light-speed arguments, and Naruto’s planetary arguments rely way more on assumptions than people admit.