[Wrana]

Can only agree with Baalz.
And, as Lokean already said, it's a thing your strategy must take into account. Some nations can be just fine with Misfortune - generally it means they have strong & expensive troops, plus their national mages cover most of what's needed. If you need to diversify, though, Luck/Turmoil build is probably better. The same goes for strong national heroes. Probably cheap but high resources-intensive troops, too.
A question to MaxWilson - what nations you are playing most?