A well - developed OC is key. The character should have a unique personality, backstory, and goals. For example, if the OC is a mage with a troubled past who finds solace in Erza's strength and kindness, it can create an interesting dynamic.
Some smaller, niche fanfiction communities or forums dedicated to Fairy Tail might also have such fanfictions. Reddit, for example, has some Fairy Tail - related subreddits where fans share their works or recommend good fanfictions.
You can try fanfiction.net. It has a large collection of various fanfics, including 'oc x erza' ones. Just use the search function and type in the relevant keywords.
I really like 'Erza and the Mysterious OC'. The story starts with Erza being intrigued by the oc who has some special powers or abilities. As the plot unfolds, they form a deep connection that is both emotional and based on mutual respect. There are also some really cool fight scenes in it, which makes it even more exciting to read.
It's really hard to say. Naruto has his powerful ninjutsu like the Rasengan and can call on the power of the Nine - Tails. But Erza is no slouch either. She has a wide variety of armors with different abilities. If it's a long - distance fight, Naruto might have an advantage with his ranged attacks. However, if it gets up close, Erza could use her swords and combat skills to hold her own.
One possible fanfiction could be about Naruto visiting the Fairy Tail world and teaming up with Erza and Mirajane. They could go on a quest together to defeat a powerful dark wizard. Naruto's unique ninja skills would blend well with Erza's swordsmanship and Mirajane's takeover magic.
They could start by meeting in a strange, in - between world. Naruto is intrigued by Erza's armor and Mirajane's different forms. They soon realize they have a common goal, which is to find a way back to their own worlds. As they journey, they share stories of their past adventures, with Naruto talking about his battles in the Hidden Leaf Village and Erza and Mirajane sharing tales from Fairy Tail.
There are no official stories of Naruto and Erza having a relationship as they are from different anime universes. However, in fanfiction, it could be an interesting concept. If we were to imagine, perhaps a crossover magic or some sort of interdimensional event could bring them together, leading to this unexpected pregnancy situation. But this is all in the realm of creative fanfiction writing.
One possible fanfiction could be about Naruto ending up in the Fairy Tail world and teaming up with Erza and Mirajane. They could go on adventures together, with Naruto's unique ninja skills complementing the magic of Erza and Mirajane. For example, Naruto's shadow clone jutsu could be used in creative ways during battles against powerful foes in the Fairy Tail universe.
Erza could be developed by showing her vulnerability. Usually, she is very strong and composed. But in this situation, her being embarrassed and naked makes her more human. We can explore how she overcomes her insecurities and uses her inner strength.