Naruto takes it with prep 8-9/10(in a pein-esque situation), without, I say 6/10 in Naruto's favor.
The fact that bee gets along with his demon and can really make the most of its abilities along with the fact that he's a great fighter on his own really evens things out, but Naruto is a great on the spot thinker, plus sage mode and enough clones and energy to wear out the super nanny. (who's really just moderately enhanced nanny, but that's a topic for another day)
You're absolutely right. Naruto gets raped. I mean, in a last ditch effort to win he does sexy no jutsu and literally gets raped in the most horrifying La Blue Girl parody known to man. He better hope he has warts in that ass, or killer bee is gonna rip him up.