(Proverbs 14:18 KJV) The simple inherit folly: but the prudent are crowned with knowledge.
The only difference between the KJV and NASB is the English word used for “simple” (KJV) or “naive” (NASB) (6612a). Although modern English gives them a slightly different meaning there is considerable overlap. This talks about a person who does not look beyond the surface of events or thoughts. I guess the difference might be in ability. It is the same difference between stupid and ignorant. One is an innate quality, the other a character trait. One cannot be overcome, the other is a result of sloth.
Christians believe that God will make allowance for those who are mentally deficient so I think this refers to sloth. We are looking at a quality of the sluggard.
Naive is not cute. Naive is not innocent. Naive is not winsome. Naive is lazy.
So? God gave you a mind as much as a soul. Use the first or you might find the latter in peril. If you are naive, give thinking a try today. If you are not naive, praise God. If you don’t know the difference, ask a friend.