Re: luck events
I'm right in the middle of a Tuatha game myself (Cradle map, with Poor world settings and Hard research settings - this makes for a very slow game!).
I only have Luck 1, but got 3 heroes in the first 50 turns or so. The heroes will always appear at very random times (except if you use Misfortune 3, where they should not appear at all): even with Luck 3, your chance of a hero each turn is only 6%; this means there will be a lot of variation, from one game to the next, in the time it takes to get your heroes.
I don't keep track of all the events I get, but I believe even Luck 1 brought me many more good events than bad. Nothing major, but I did get several militia/flagellant events (two Militia events in the same province, a few turns from each other), lots of free gems (including the "witch cursed some of your units when you took her gems", sometimes in provinces where I had no units), one free Death mage (good thing; it was early in the game), and various gold events. No major bad events in my capital (though I did get a "rain took out 25% of the pop" in another province).
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