Right now naruto is getting it on with tobi. one thing that's for sure is naruto is forced to be on the defensive till now. Suppose naruto attacks tobi, he will simply phase out and escape the blow. If by chance an attack connects, he can use izanagi like with konan's case and when things get really bad, he can simply escape and naruto can't even do a thing to stop him as of now. I think this might be the reason why tobi collected kinkaku & ginkaku's chakra (to be on the safe side if things got bad).