Re: The Luck Advantage
Generally, Luck isn't used in downtime. You can use it "once per hour of play" (p.66). No play, no Luck.
If you want it to be usable in downtime, I'd say you should use the conversion between game time and play time in Powers (Game Time, p.108; 1 hour of play time = 1 day of in-game time), so you can use regular Luck only once a day in downtime.
I think you specifically can't use Luck for enchantment. I could be wrong, but I remember that from somewhere. You definitely can't for casting the Wish spells.
All the examples you give are just as true for PCs in downtime, if that's the way you want to run Luck. Yes, if you let someone abuse the way Luck works, it will kick arse. This works the same for everyone.
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