Add Naoto, whatever you do, add Naoto
EDIT: This isn't even my Naoto bias, shes easily the best character in PQ
Agreed. I have a Naoto bias too, but Naoto is easily one of the best character to go for (next to Aigis) if you are looking to build a team. Remove Naoto from your party if you want more of a challenge though.
If you are using her...try getting the Panic Circle and Impure Reach skill card and slap it on her.