Well, Naruto could figure out the bell test in fanfiction through his unique way of thinking. He might notice that Kakashi's actions during the test are a bit strange. For example, Kakashi keeps emphasizing things that seem unimportant at first. Naruto, being the observant one in some fanfictions, starts to think about the deeper meaning. He then figures out that it's all about cooperation. He tries to break the cycle of competition among the team members and instead promotes unity. By doing this, he manages to pass the test in a different way compared to the traditional approach.
In fanfiction, Naruto might figure out the bell test by reflecting on his own experiences. He remembers all the times he was left out or underestimated. He realizes that the bell test is a chance for him and his teammates to prove themselves not just as individuals but as a team. He starts to communicate with his teammates more effectively, sharing his thoughts and feelings. He understands that the key to getting the bells is not to fight against each other but to fight together. So he comes up with strategies that involve all of them working in harmony, which ultimately helps him figure out the bell test.
In some fanfictions, Naruto might figure out the bell test by using his unwavering determination. He realizes that the test is not just about physical strength but also about teamwork. So he tries to convince his teammates to work together, seeing through the real intention of Kakashi Sensei behind the test.