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.
You can try searching on fanfiction websites like Archive of Our Own or FanFiction.net. Just type in 'Lucy Frosch Fairy Tail' in their search bars, and you might find relevant fanfictions.
In some fanfictions, Lucy might be portrayed as a friend to Frosch. She could be someone who looks out for the little Exceed, given her kind - hearted nature in the Fairy Tail series.
There is a fanfiction called 'Lucy in the Alternate Realm'. This one is interesting because it sends Lucy to an alternate realm where she has to find her way back. Along the way, she meets different versions of her friends and has to use her wits and magic to survive. It's a great read for any 'Fairy Tail' and Lucy fan.
Yes, there are many non - inappropriate 'Fairy Tail Lucy' fanfictions. For example, some focus on her adventures and growth within the Fairy Tail guild. They might explore her relationships with other guild members in a friendly and positive way, like her friendship with Natsu and how they support each other during quests.
I think it depends on how it's handled. If the 'naked' aspect is just a shock - value title and the actual fanfiction is more about exploring Lucy's character growth, relationships, or her adventures in a tasteful way, it could be okay. But more often than not, it gives the wrong impression and might not be suitable for the overall Fairy Tail community which values things like friendship, courage, and magic more than such potentially inappropriate themes.
Well, 'Nerd Lucy in Fairy Tail' is another one. This fanfiction focuses on Lucy's journey as a nerd in the Fairy Tail world. She befriends other guild members who initially underestimate her but later come to rely on her vast knowledge of magic theory.
Well, Natsu might protect Lucy by using his dragon - like senses. In the Fairy Tail world, his enhanced senses can detect danger before it reaches Lucy. So, he could quickly react and pull her out of harm's way. Also, his loyalty to Lucy and the Fairy Tail guild drives him to protect her. He would not let any harm come to her, whether it's from other guilds who might have a grudge against Fairy Tail or from individual villains in the fanfiction. He'll be there to fight for her safety.
Natsu would be a very likely character. Since he and Lucy are close friends in the original story, if Lucy travels back in time, Natsu might be one of the first people she seeks out. They could have adventures together in the past, with Natsu being his usual impulsive self and Lucy having to keep him in check with her knowledge of the future.