Pre-timeskip Luffy, post-timeskip Luffy, and post-Wano/G5 Luffy are basically
three different characters.
The first is a full-rounded character, smart and wise when needed (Chouchou dog, Hiluluk's flag, Vivi's speech, etc.), while still being reckless and able to grow.
The second is a flanderization of the first, being dumber and unable to learn anything from his mistakes.
The third is cancer.
Pure cancer.
Pre-ts Luffy is miles ahead of Part 1 Naruto as a person. But then in
Shippuden, Naruto actually gets to grow, to learn from what he goes through. He turns a bit retarded by EOS, but he's still a better character by the end of it than Luffy has been since that crime against humanity called Wano.