Luffy uses Gear 5 in a significant battle towards the later part of the manga. But the exact chapter or arc can vary depending on how you're reading it.
Percy often uses Observation Haki to anticipate the attacks of his enemies. He can sense their movements and intentions, which gives him an edge in combat, especially against fast - moving or sneaky foes like some of the monsters in the Percy Jackson world.
It could be that his training in magic somehow awakens his haki. As he delves deeper into advanced magic spells and combat training at Hogwarts, his body and mind start to develop this new ability. For example, during a particularly intense dueling session, he feels a strange energy coursing through him which he later realizes is haki. His professors might initially be baffled by this new power, but as he learns to control it, it becomes an asset in his battles against the forces of evil.
Naruto's use of haki would be a game - changer for his combat skills. Haki has different forms. For example, the Observation Haki could allow Naruto to see the future movements of his opponents to some extent. This would combine really well with his already amazing combat skills like his Rasengan and Shadow Clone jutsu. He could use his clones more effectively to surround and attack his enemies while using haki to predict their counter - attacks.
In some fanfictions, Naruto might discover haki during a particularly intense battle. Maybe when facing an enemy with an unusual power that his regular jutsu can't handle, he unknowingly taps into his latent haki ability.
Well, there are 'luffy haki fanfic' stories that focus on the development of his Observation Haki. In some of them, Luffy is able to predict the moves of his opponents far in advance, like being able to dodge attacks that are seemingly impossible to avoid. These fanfics often add new elements to the use of his Haki, like being able to sense the emotions behind an opponent's attack as well.
In this kind of fanfiction, usually the plot might involve Luffy starting to discover his latent conqueror's haki power. Maybe he first experiences some intense battles where he unknowingly shows signs of it. Then, he might meet an old and wise character who recognizes this power in him and starts to guide him on how to control and use it effectively.
You can start by looking on fanfic websites like Archive of Our Own (AO3) or FanFiction.net. Just type 'luffy haki fanfic' into their search bars, and a whole bunch of stories should come up. These platforms have a large collection of One Piece - related fanfics, including those focused on Luffy's Haki.
If Luffy knew Haki early, it would likely give him a significant advantage. He could take on stronger opponents sooner and perhaps even prevent some of the setbacks he faced originally. This could lead to a quicker rise to power and a different dynamic with his crew.