Another possibility is that Natsu is turned into a girl by a magic spell gone wrong. As a girl, he discovers new magical abilities or a different way of using his existing fire magic. Maybe the transformation also affects his personality slightly, making him more empathetic and in tune with the feelings of others around him.
He could also face challenges within his own guild. Some of the members might tease him, while others might be overly protective. Natsu as a girl would have to navigate through these new social dynamics. Also, his appearance as a girl might attract unwanted attention from some villains who see him as an easier target, but he would prove them wrong with his strength.
Lucy could also play a major role. She might be the one to help Natsu adjust to his new life as a girl. Maybe she gives Natsu tips on how to dress and act like a girl, and they could have deeper conversations about what it means to be a girl in their magical world.
In this 'natsu becomes a girl fanfic', it could center around the idea that Natsu as a girl discovers a whole new side of the magical world. Since he is now a girl, he might be able to access certain areas or knowledge that were previously off - limits. He could also form new relationships with other characters who see him in a different light.
It could be an evil wizard. There are many powerful and malevolent wizards in the Fairy Tail universe who might target Natsu for some reason and use dark magic to make him cold.
Well, perhaps Natsu could be turned into a vampire during a battle with a powerful dark magic user. Then he'd struggle with his newfound vampiric instincts, like the urge to drink blood, while still trying to be true to his friends and his guild.
In some fanfictions where Natsu becomes END, it often leads to a power - up that is both amazing and terrifying. His physical appearance might change, with more demonic features. His power level could skyrocket, making him one of the most powerful beings in the Fairy Tail universe. He might struggle with the newfound darkness within him, as END represents a very powerful and potentially evil force. This could lead to interesting storylines where his friends in Fairy Tail have to find a way to bring back the Natsu they know while still dealing with the power of END that he now wields.
Maybe Natsu discovers a new magic spell that accidentally turns him into a dragon. He then has to figure out how to reverse it while dealing with the new powers and instincts.
It's possible that Natsu's coldness is a temporary state. He could be under a spell that makes him seem cold, but deep down his true self is still there. As the story progresses, his friends might try to break the spell and bring back the old Natsu. They could search for a cure or a way to reverse the magic, leading to many adventures and challenges along the way.