Yup pretty much. There’s nothing wrong with a protagonist being the Chosen One in itself. It’s just bad when it goes against what’s previously established.
Naruto was never the “underdog” in Part 1, just a late bloomer that was destined for greatness from the start by inheriting not just Kurama but the chakra of a literal demigod alongside fellow Fate Brother Sasuke.
Destiny isn’t a thing and hard work always beats natural talent though, amirite?
Can’t say how bad One Piece handles this for Luffy because One Piece bored me and I couldn’t get into it