I've been playing with Luck 3 in the Utterdark game and I've never had so many bad events (we're around turn forty or so, though some of us will be leaving soon heheh
) in any game I've played thusfar. Even those games where I've had misfortune scales.
I've lost two temples, been invaded by the hardcore archmage/troll raider and two or three other incredible heroes crew, and been overrun with trogolodytes twice - oh and a third time in a contested province I'd just taken but largely had luck scales in tact. Plus a few small standard negatives like losing a hundred gold, or brigands, or witch cursing, blah blah etc. Other stuff I can't recall, too. I'm pretty sure nobody else has been causing the fun, as it's normal and all.
Positive events have merely been *maybe* a few random gems or 200 gold, and one time 2000 gold (or a lot anyway, it may have been 3000). But what gains it gave me were so verily not worth the hassles that could have been avoided with different scales, as well as having 120+ more points to spend elsewhere are simply mindboggling.
Needless to say, I will never use +3 luck in multiplayer again. heheheh
If any of you have had great experiences with luck 3 in MP, I'd sure like to hear about them.