You just said Naruto was 4.2TT, then rounded him straight up to 5TT. Still below Katakuri's AP and Dura.
No, Logias in battles are not "made fair". They have
Elemental Intangibility on top of Mid tier+
Regenerationn, not just Regenerationn. Naruto isn't bypassing either of those w/ low tier dura-bypassing attacks that clearly leave opponents mostly intact anyways.
Katakuri has literally
all of the abilities listed under Kenbunshoku Haki, not just some basic "emotion sensing" by itself. Katakuri's Muso Donuts are capable of attacking simultaneously. For example, Katakuri makes 20 Donuts around his opponent. He uses his real arm and throws one single punch. This punch is projected from every single one of these donuts simultaneously with no delay in between.
Naruto having more intellect due to outsmarting people more powerful than him? I'm sorry, but this doesn't make any sense. He is of lower intellect than someone like Kakashi for example. You're also suggesting Katakuri would be tricked when he is a calm-collected fighter that also has future-sight. Katakuri can also sense his presence from kilometers away. Naruto is not surprising him unless he manages to get Katakuri to snap, which is low-chance unless Katakuri tries to take a snack break in-between.