If the construction of the ironclads had not been interfered with then it would not have been happening in the Confederacy. More importantly, with no comprehensive strategic planing of any kind taking place a few more ironclads making random sallies would have been meaningless. As at the Battle of Memphis where the CS ram captains attacked as they saw fit… in fact never had a single meeting to share plans, intel or tactics.
On the Union side the commanders such as Farragut, Porter & Foote were brilliant. They cooperated enthusiastically with Grant & Sherman. The army / navy campaigns were coordinated seamlessly. It wouldn't have made any material difference had a few more ironclads have been set forth Don Quixote like to tilt with Union flotillas.
This is an overgeneralization.
The River Defense Fleet was indeed an emergemcy measure and a mix-up of civilian steamboat captains which in the end failed.
The construction of ironclads was hampered by the loss of N.O. and Norfolk - there was just no alternative any more but to build them wherever a suitable site, some production capabilities and a constructor could meet.
That is not the consequence of failed planning or absence of planning.
There was quite some organization behind the confederate ironclad-program.
A standard-type of ironclad was conceived and funding and construction made possible against severe problems - the logistical problems alone most probably let a lot of people lose sleep over it
(but astonishingly most of it could be solved somehow…)
Another point is the bickering, self-aggrandising stance between influential figures.
Well, that is something that can be observed quite everywhere in the war - and on both sides.
In the Confederacy fighting an uphill-struggle did everything but soothe those conflicts.
And having a lot of very rich people, quite some of them plantation-owners, in charge - or at least laying heavy pressure on politicians and governors was anything but helpful - and definitely aggravated the problem.
Those are different factors.
One can judge them candidly and get to a differentiated assessment.
Others prefer to lump all of it together…