Difference between Goku and Naruto is that when Goku trained hard, he knew what he was doing and he would produce results e.g. during the Cell Games saga. Naruto on the other hand does some random shit for three years and has just an enhanced special move to show for this.

I still maintain that Naruto has NOT surpassed either Kakashi or Jiraiya as a ninja. No way. What Kakashi meant was that Naruto has one move that Kakashi could not do. That doesn't mean Kakashi would lose to Naruto in a fight. Secondly, Naruto has not surpassed Jiraiya, as the old frog said Naruto seemed to have the potential to surpass Jiraiya's ability to control sage mode.