By default, shadow clones disperse your chakra evenly, unless stated to be of a different ratio or percentage. Shadow clones also disperse if they take a strong-enough hit, since they're only barely tangible chakra constructs. Your (remaining) chakra and memories/experiences go back to your original self once your clone(s) disperse. Just note that the greatest consequence that this technique brings, is the one on your mind. This is seen with Naruto with his training in learning how to properly use his chakra nature, wind.
Wood Clones on the other hand, follow the same rules as shadow clones, except for their durability and how they disperse. They are able to take quite a bit more hits than a shadow clone, since they're made of solid constructs, as opposed to what we could call cloud-like ones. It's also been generally accepted that Wood Clones have an advantage to be used for far travels. While acknowledging this fact, we then acknowledge that other intagible clones such as shadow clones cannot have that advantage. Now when I say intangible, I mean that they don't have a base construct or nature other than chakra itself.
Now let's bring up the certain issue here: The Default
By this, I mean how a technique usually spawns without any other extra information from the user/poster. Below are two examples, along with the information broken down on what their actions spawned.
Acad uses Shadow Clone jutsu.
- 1 Shadow clone is spawned
- 50% of the user's chakra was put into it
- 50% of the user's chakra remains with them
Acad uses Shadow Clone jutsu to create two clones, each with 10% of their chakra.
- 2 Shadow clones are spawned
- 20% of the user's chakra was put into the usage of the technique
- 80% of the user's chakra remains with them
- 10% of their chakra is in each clone
Being a good RPer is about not only what finer details you put in, but also your analytical skills. Take note that different people have different levels of chakra as well. Just because 20% of chakra to an acad may seem like a chunk, doesn't mean that it's a whole lot when compared to someone else who has much higher levels of chakra, such as a kage.
I look at this taking into consideration that Naruto has much influence from Kurama's presence and chakra, even while he was still in the womb. It seems to be natural that those born from a Jinchurikki parent (at the time) will have a natural-born advantage over most when it comes to chakra prowess. Theoretically, putting them on an even advantage with those who bear Kekkei Genkai. But it's funny, that this is how Kekkei Genkai were spawned in the first place.