Losing Kurama meant that Naruto had to lose most of the power he had. And losing most of his strength meant that Naruto would no longer be able or capable of facing a much stronger foe. Maybe Naruto can still fight against these enemies, but to be able to defeat him is another matter.
The enemy that Naruto can face now is an enemy that the other Kage can also face. In other words, Naruto was no longer strong enough to protect Naruto from the threat of the Otsutsuki. This is realized by many people, such as Kawaki and Naruto himself. This is also the reason why Naruto asked the other Kage for help.
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1. Not Having Chakra Reserves
Uzumaki Naruto has a very large chakra capacity. All thanks to Naruto being a descendant of the Uzumaki clan, which is known to have a large chakra capacity. However, Naruto's chakra capacity becomes unlimited when Kurama is inside his body. In fact, in the fourth great ninja war, Naruto and Kurama were able to channel additional chakra into the entire shinobi alliance.
After Naruto lost Kurama, Naruto's chakra reserves were limited. Naruto could no longer use various jutsu at will, because he had to think about how much chakra he had to expend. It's interesting to see what Naruto looks like in the face of enemies without Kurama. It is predicted that his chakra will run out faster.
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2. Can't Feel Negative Emotions
One of Kurama's great strengths, apart from having unlimited chakra, is that he is able to give Naruto the ability to feel someone's negative emotions. Although this ability may sound useless, it is able to help Naruto detect the presence of enemies or whatever. Without Kurama, Naruto's sensors would no longer be able to do the same. And this of course makes Naruto more vulnerable to attack.
3. Doesn't Have Fast Healing Ability
Thanks to the presence of Kurama in Naruto's body, apart from being able to give him great chakra, the ability to fight, and giving him the ability to feel negative emotions, Naruto can also recover from any injuries faster. In the first fight against Sasuke, Naruto was able to recover from the wound in his lung in seconds. This ability is further enhanced at the end of the Naruto series, where he can recover quickly from any wound. Meanwhile, without Kurama, Naruto could no longer receive a devastating attack from the enemy. The reason is, he will either die or be seriously injured.
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4. Being Unsmart
The main role of Kurama as a tailed beast in Naruto's body is to supply the power and chakra needed by Naruto. Solely for the sake of Naruto can be superior to his enemy. However, Kurama had something else in mind. Unlike Naruto, Kurama is an intelligent figure. He was able to read the situation on the battlefield, in just a few seconds. Many times his various suggestions managed to save Naruto's life. Without Kurama, Naruto will certainly have difficulty dealing with situations and enemies.