There is also the issue of something as simple as tripping over a root/step/etc. With a little luck no injury occurs, with a lot of luck something beneficial might even occur. With a little misfortune it might be a bad sprain, or it could cause an injury that leads to losing the leg or even death.
I'd prefer if luck boosted almost everything in a small way while misfortune gave the opposite. But that would require a great deal of coding I'd imagine..
