Well, in fact I'm not very lucky in real life so I didn't want to spread this misfortune to my computer gaming too...
Honestly I have much less experience than thou and I haven't tried this Order/Misfortune setup yet.
Taking into account your comments, yes, the risk is quite low and there's plenty of investment opportunities with those extra 120 points (increasing A6, Dom 7 and Growth 1, for instance).
Thanks for sharing your wisdom!