Naruto´s smart when the story need him to be, the remaining 80% of the fights he´s the usual douchebag that we know.
Still he´s not the worst ninja out there like people make him out to be.
True, after 3 years training with a legendary Sainin (or whatever the fuck that name is), Naruto could have improved alittle more that he had but no, he gets his ass kicked *all* the time and then suddently Kakashi pops out of nowhere and say "Hey Naruto, seeing that your ass was raped time and time again in the last arc, let me tell you about this training that i didn´t bother to mention for some reason".
How the hell Jiraya, one of those legendary 3 ninjas who personally trained the 4th hokage himself which made him the perfect trainer for Naruto didn´t bothered to tell him that he could train faster by making a gazilion clones?
This manga can be terrible some times.