As a goddess, Lucy could possess the power of omnipresence within the Fairy Tail world. She could be in multiple places at once, helping all her friends in different battles. Also, she might have the ability to bestow blessings on her comrades, enhancing their powers or giving them special abilities for a short time. And she could have a sort of divine protection that makes her almost invincible to normal attacks.
She might have the power of celestial manipulation on a grander scale. Maybe she could create new constellations or even entire galaxies of celestial spirits.
She could have ancient and powerful celestial magic. Maybe she has the ability to summon celestial spirits that have long been forgotten or lost in time. Her connection with the celestial realm could be much deeper and stronger, allowing her to perform more complex spells. For example, she might be able to combine the powers of multiple celestial spirits in a way that normal Lucy couldn't.
She might also have the ability to summon celestial spirits like Lucy. But instead of just summoning them in the normal way, she could use her fire magic to enhance their powers. For example, if she summons a spirit of a warrior, she could make the warrior's weapon engulfed in flames. She could also have a unique bond with a particular spirit that was passed down from Lucy, and this spirit could teach her special magic or give her advice on how to handle difficult situations.
The baby could inherit Natsu's dragon slayer magic. It might be able to breathe fire and have enhanced strength like Natsu. Also, from Lucy, it could have the ability to summon celestial spirits. Maybe it could even combine these powers in unique ways, like summoning a fire - breathing celestial spirit.
He would have his Rinnegan as well. With the Rinnegan, he could potentially control the six paths of magic in the Fairy Tail universe. For instance, he could use the Deva Path to manipulate gravity - something not common in the Fairy Tail magic system. His Preta Path could absorb magical attacks, making him a formidable opponent against even the most powerful Fairy Tail mages. His other paths like the Asura Path could give him additional mechanical - like appendages with enhanced strength and weaponry, which would be a new and terrifying concept in the Fairy Tail world.
Naruto's chakra - based powers and Lucy's celestial magic could interact in really cool ways. For instance, Naruto could use his Rasengan and infuse it with the magic power from Lucy's celestial spirits. Maybe a spirit like Aquarius could provide water - based magic that Naruto could use to make a more powerful water - style Rasengan.
Imagine an adventure where they are sent to the past. They have to ensure that an important event in Fairy Tail's history happens correctly. Lucy and Loki have to blend in with the past guild members without changing too much. This involves Loki having to hide his modern magic tricks and Lucy having to be careful with summoning her celestial spirits so as not to arouse suspicion.
She could have adventures where she uses her Pokemon to explore new areas in the Fairy Tail world that are too dangerous for normal mages to go alone.
Naruto has his Nine - Tails chakra which is extremely powerful. If Lucy were to use her magic to somehow channel that chakra into a new form of attack, it could be very effective. For example, she could create a magic circle that concentrates the Nine - Tails chakra and then release it as a beam of energy. Or perhaps Naruto could use his chakra to enhance the abilities of Lucy's spirits. He could transfer some of his chakra to a spirit she has summoned, making it faster, stronger, and more durable, while the spirit could use its own unique abilities to help Naruto in combat, like a flying spirit could give Naruto aerial support during a fight.
It would be amazing. The characters in Fairy Tail could use Bleach powers like zanpakuto abilities. For example, Natsu could have a zanpakuto that enhances his fire powers even more. He might be able to use some of the unique techniques from Bleach, like flash step, which would make his combat style even more dynamic.
If Lucy never joined Fairy Tail, the friendships and relationships among the characters would form in a very different way. Also, many of the story arcs might not unfold as they do in the original plot.