There are some things in the anime that contradict that. When Naruto transforms into a throwing weapon in the fight with Zabuza he assumes the aerodynamic properties of the weapon. I assume he is physically what he transformed into. Also he uses henge or some equivalent in the fight with Gaara and h...
Here is one from the right time frame. Misery Loves Company by Ryan Eric. 6 years old and Updated fairly recently. Ranma is in a coma for 20 years or so and is eventually healed by a reformed Happosi. Eventually returns to nerima under an assumed name and ultimately falls in love with Akanes son. Fo...
I cant think of any that exactly match that description but There is one that has some similar scenes. Tenchi and Ranma, Together Forever (13 parts, 1 sidestory from the Penultimate Ranma Fanfic site by T.H. Tiger. Ramnma is trapped as a girl permanently by Jusenkyo and is introduced as a female fia...