Who wins in a fight?

I think Naruto will win cause he has , unhuman speed , Kurama , clones, Rassengan, Gamabunta frog. He just will be so fast that Luffy won't react in time. Also , just for remind. Luffy can't stand water. Naruto can. If they meet it the middle of Ocean , Game Over. Also someone can say: "What if Luffy will use Gear 5?"
Well , as we know it gives you ability to visualize your ideas. But it won't help you against Naruto speed and technics. Naruto can cast rasenshurikens and I don't that Luffy's rubber will stand long against cutting damage and Naruto can just constantly beat Luffy and maneuver till Luffy will go exhausted.