Re: how useful is Luck?
My online game (which probably plays a bit slow but not worse than 1/4 speed I'd guess) used to have ~200 rolls/hour of all types per hour in heavy combat sessions. I'd guess about nearly half of those were made by one of the 6 PCs. If the 1/4 speed estimate is right, it's pretty reasonable to expect you'll be making 50+ rolls per hour in an intense session - you'll probably want to reroll one of those, either a minimum damage roll or a critical failure on something important.
In less intense games, it may matter a lot less. I've had sessions where the PCs rolled the dice a total of 20 times, and then Luck is obviously worth a bit less.
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