Luffy doesn't need to be smart to be captain. He just has to know he isn't the smartest person on the ship. He is really, really stupid, but he knows that much.
What Luffy has is empathy and charisma for days, weeks, however long the journey takes and beyond.
That makes him a Captain.
I changed my mind about Taylor and Zoro's placing.
Taylor is a competent leader and knows how to organize stuff. That makes her a great second. Zoro takes no shit and can intimidate or brute force into compliance if needed. A good thing to have for a subordinate commander as well.
Nami is out for reasons I already gave. She's busy with other jobs/hobbies, and we don't want the greedy one (Queenie described her as such) in a position of authority like that.
We shouldn't feed Queenie's ego any further with an actual command spot for her.
Kaya is still a sort-of client, sort of ship diplomat. So he has her specialty and isn't really suited to combat command anyway.
Ah, if Taylor is second and Zoro is third that suits both their personalities, but Taylor tops if she wants....