Ryuk would probably just be amused. He is a Shinigami who has seen a lot in his existence. Fanfiction is just another strange human creation to him. He might chuckle at some of the more outlandish ideas in the fanfictions, like a character having superpowers beyond the Death Note.
Naruto would first be extremely confused by the rules of the Death Note. His understanding of power and its consequences is rooted in his ninja training and his own moral compass. The Death Note's rules, which seem so simple yet so deadly, would be completely foreign to him. He would question why anyone would create such a thing and would be very hesitant to even consider using it, as it goes against everything he stands for in his world of ninjas, friendship, and protecting the innocent.