Maki in fanfiction usually has a fierce loyalty to her friends, especially Yuta. She is the type to fight for what she believes in. Yuta is sometimes portrayed as being a bit naive in the ways of the world outside his own small circle, but his pure heart makes him endearing. In many stories, their different personalities create an interesting dynamic, like in a story where Maki's boldness gets them into a risky situation and Yuta's calm thinking gets them out.
It depends on how the author of the fanfiction has developed the plot and the characters. They could have given Natsu some special power - up or a unique situation that makes him stronger than Gildarts. For example, the author might have introduced a new form for Natsu that gives him an edge in combat, or perhaps they've weakened Gildarts in some way for the sake of the story. However, in the original series, Gildarts is extremely powerful, so this is a significant departure in the fanfiction.
The following are some recommendations for novels where the main character is stronger than the system:
1. The Self-Cultivation of the Male Lead. Author: Wen Ruo Bucheng
2. I'm the Common Villain in the Fictions, by Big Firepower and Small Gun
3. The Number One Strong Control in History. Author: Old Xu
4. Low-Dimensional Revolution, by Fat...
Please note that these novels may only partially meet your needs. You are recommended to search further for more relevant novel recommendations.
As of the latest chapters I've read, Megumi is still alive in the manga. Usually, such major character deaths are significant plot points and would be well-publicized if they occurred.