Well, in most cases, Luffy would use his unique abilities. He might use his Gum - Gum Pistol to knock out the bad guys. His superhuman strength and speed would allow him to reach Nami quickly and stop the assailants before any harm could be done. Luffy's sense of justice and loyalty to his crewmates are so strong that he would not let anything bad happen to Nami.
Maybe Nami enjoys Story of Seasons because it offers a break from the daily hustle and allows her to immerse in a peaceful virtual world. The customization options for the farm and the progression system could also be appealing.
First, Luffy's constant saving of Nami from danger makes her feel special. She starts to see him not just as a captain but as someone she can depend on in every aspect of life. Nami, on the other hand, helps Luffy manage the crew's finances and gives him valuable advice. This back - and - forth exchange of support and care slowly blossoms into love. In the fanfiction, there could be moments like a romantic night on a deserted island where they finally confess their feelings. And after that, they decide to get married, with the crew being their biggest supporters.