With his friends, it might strengthen their bonds. They would be more protective of him and help him in his daily tasks. For example, Sasuke might become more empathetic towards Naruto's situation. His relationship with Hinata could also change. Hinata would be very concerned and would constantly be by his side, offering emotional support.
It could make Sasuke more protective of Naruto. Sasuke has always had a complex relationship with Naruto, and seeing him lose an arm would stir up some deep emotions. He might feel guilty, especially if he was somehow involved in the incident that cost Naruto his arm. This could lead to Sasuke staying closer to Naruto and being more open about his feelings.
Well, losing an arm would definitely have a huge impact on his ninja abilities. His ability to perform hand seals would be severely hampered. For example, complex jutsus that require multiple and quick hand seals might become impossible for him to execute. Also, his balance in combat could be affected as he's used to having two arms for movement and defense. He'd probably have to rely more on his legs and other non - arm - related skills.
His relationships would shift in many ways. With his family, if he has one by that point, they would be deeply concerned and try to help him adjust. His comrades in the Hidden Leaf Village would be more watchful over him. Enemies would likely underestimate him at first, which could be both a danger and an opportunity for Naruto. His relationship with the tailed beasts might also change, as they might be sympathetic towards his new disability and offer different kinds of support or advice.
Maybe he starts to train with one - armed techniques. He could learn from other one - armed ninjas if there are any in the fanfiction world. His friends would also play a big role. They might encourage him to keep going or help him in his training.
Maybe he was protecting someone in Wave. He's always the self - sacrificing type, so he could have put himself in harm's way to save a villager or a friend.
Well, in some 'naruto loses arm fanfiction', it might be a result of a forbidden jutsu gone wrong. Naruto might be exploring a new and dangerous form of power, and the price is his arm. This would then set off a chain of events where he has to find a way to either get his arm back or adapt. He could also face discrimination from some in the ninja community who see him as weakened, but he'd prove them wrong by his unwavering spirit.
It could be a new and powerful rogue ninja who manages to overpower Naruto and cause him to lose his arm. Maybe this antagonist has some sort of vendetta against Naruto or the Hidden Leaf village.
Well, he might face difficulties in combat. Without his arm, his fighting style would have to change drastically. He may rely more on his ninjutsu and less on physical attacks. Also, his daily life activities like eating or holding things would be a struggle.
The main antagonist could be an old enemy who has resurfaced and is more powerful than ever. This enemy targets Naruto specifically and manages to injure him so severely that he loses his arm. For example, Orochimaru could return with new and more deadly powers.
One possible plot could be Naruto losing his arm during a battle with a powerful new enemy. He then has to struggle with not only the physical loss but also the emotional and mental toll it takes on him as a ninja. He might have to learn new fighting techniques that don't rely on two arms.