You did said he won all with luck, not most of the time. And yes, he won with superior skill. Regarding the Neji fight, Naruto didn't just happen to dug himself underground and surprised Neji with that punch. It wasn't luck. It was good strategy. He planned it, then executed it and that's why Neji was caught off his guard. If that's not a skill, an intelligent one at that, superior to that of Neji at the time, I don't know what is. Because if Neji was superior to Naruto during the fight, he would have owned Naruto throughout the whole fight, not just in the beginning, and win in the end. But he didn't, therefore: Naruto has superior skill. Cause it really doesn't matter who gets beaten up worst during the whole fight, any fight, the one that triumphs in the end has to be considered superior, whether in strength, tactics, whatever skill they have. Cause for me, if you're really that good, you wouldn't be beaten anyway. If you got caught with a punch or whatever, it's your fault for underestimating your opponent and not seeing it coming.
That is lack of skill. This goes for any of Naruto's fights. You said it yourself, that Naruto has determination and heart, that is also a skill not possessed by everyone. Just my thoughts...