Naruto would definitely have a huge character development. At first, he might be confused and a bit frustrated about the change. But as time goes on, he could learn to embrace his new form. He might become more empathetic towards the female characters in the village, understanding the challenges they face. Sakura, on the other hand, would feel guilty for the accidental transformation. She would strive to find a way to turn Naruto back, which could lead to her developing her medical ninjutsu skills further.
Albedo might become more empathetic. As a girl, he could experience different social interactions and emotions. He might also become more aware of his appearance and how others perceive him. For example, he could start to care more about his clothing and grooming.
For Naruto, he might develop better understanding of the girls' abilities. For example, he could learn more about Ino's mental communication skills and Sakura's growing medical and combat skills. This could make him more reliant on them in different situations.
For Naruto, he could develop more in terms of his leadership skills. In fanfiction, he might learn to be more diplomatic when dealing with the different clans in Konoha, especially when working with Hinata's Hyuga clan. He would become more of a unifying figure, not just a powerful ninja.
Naruto could develop his leadership skills. Working with Ino and Sakura, he would have to learn to listen to their ideas and make decisions that benefit the whole team. Ino might become more empathetic. Through her interactions with Naruto and Sakura, she could understand their struggles better and grow as a person. Sakura could gain more confidence in her combat abilities. With Naruto's unwavering determination and Ino's strategic mind, she would be inspired to push her limits.
Naruto could develop better teamwork skills, learning to rely more on Sakura and Ino's skills rather than just charging in alone. Sakura might become more confident in her abilities outside of just being a medic, and Ino could become less jealous of Sakura and focus more on their combined strength as a team. For example, Naruto could start to listen more to Sakura's strategic ideas during battles.
Well, Naruto might become more confident in his new form. Since he's a man now, he could have a different way of approaching battles. He might be less impulsive and more strategic, which would be an interesting development from his usually head - on style.
In a fanfiction, Sakura could develop her leadership skills. If she and Kushina are in a situation where they need to lead a group, Sakura could learn from Kushina's natural charisma. Kushina could also develop her relationships with the new generation. She could start to see the potential in Sakura and other young ninjas and become a mentor figure, which would be a new role for her compared to her previous life.
Well, at first, Jack Frost as a human might be very confused. He could be disoriented by all the new sensations and the lack of his ice powers. But as time goes on, he might start to appreciate the simple pleasures of being human, like the warmth of a hug or the taste of hot chocolate.
Gaara might start to show more of his soft side. With Sakura by his side, he could become less isolated and more involved in the social aspects of his village. His leadership style could also change, becoming more collaborative. Sakura, she would become more in tune with the desert environment and the needs of the Sand Village. She would probably develop her fighting style to incorporate some of the Sand techniques, which she learns from Gaara. Also, her understanding of love and family would deepen as she builds a life with Gaara.
Shikamaru would probably become more involved in village politics to ensure a good future for his child. He'd use his intelligence to make connections and secure resources. His character would shift from just being a member of a team to a family man with big responsibilities. Sakura would find a new balance between her ninja duties and motherhood. She might train other female ninjas on how to handle both aspects. Her love for Shikamaru would grow as she sees him change and become more committed to their family.