Well, it depends on the author's imagination. Some fanfics might show ultra instinct as an overwhelming power, while others might have a more nuanced take.
Another challenge is adapting his fighting style. Naruto's existing fighting style is based on his ninja training and the use of chakra. Ultra Instinct is a completely different concept. He has to figure out how to integrate the new power into his attacks and movements without losing his own identity as a ninja. For instance, he can't just abandon his signature Rasengan, but needs to find a way to use it in conjunction with Ultra Instinct abilities.
Typically, in izuku ultra instinct fanfiction, Izuku gains a new level of power and awareness. His movements become more instinctive and fluid. For example, he can dodge attacks without even thinking consciously. Also, his combat style often changes to be more aggressive yet precise.
Yes, it is possible. In fanfiction, writers have the creative freedom to reimagine the origin of characters. Goku being born with Ultra Instinct can add a whole new layer to his character development. It could mean that his power growth would be different from the original story, perhaps faster or with different challenges along the way.
There are indeed Naruto fanfictions where he has Ultra Instinct. Fanfiction writers like to experiment with different power combinations. By giving Naruto Ultra Instinct, they can create really exciting battle scenes. For example, Naruto could use Ultra Instinct to dodge attacks more effectively during a fight with a powerful enemy like Madara, adding a whole new dimension to the story.
You could write a fanfiction where Goku teaches others about Ultra Instinct. Maybe he tries to pass on this power to Gohan or Trunks. This would involve Goku having to understand the power more deeply himself in order to teach it, and it would also be a great way to develop the other characters.
Goku definitely masters Ultra Instinct in the manga. This transformation gives him a huge boost in power and allows him to take on even stronger opponents.