Bardic Luck & general rules clarification

[Ragnarookie]

Originally Posted by Mr_Draco

1) Immediately usually means that players are not able to play anything afterwards to change the outcome. Though there may be a scenario where they can react so if you have a specific scenario in mind, go ahead and ask.

2) Correct

3) Yes

4) Steeds carry themselves so the Big rule doesn't apply. The steeds are only listed as Big to prevent Thieves from trying to steal them.

When I lose an item from a curse, or bad stuff say it says lose head gear or armor, does it have to be what’s equipped or if I’m carrying items that meet that I can discard instead can those count as well?