Re: The Virtue
Talk about things that don't get enough respect - Luck is hugely underrated imho.
Luck provides extra income, gems, and occasionally better things (magic items, etc...).
Luck causes imprisoned pretenders to break out earlier. Possibly sleeping pretenders wake up earlier, but I haven't noticed a difference.
Luck increases the chances of a hero showing up.
Misfortune drastically increases the chances that you will suffer a game losing effect early (lab burns down early year 1, early plague, bandits in your capitol turn 2 or 3, etc...). Eventually misfortune becomes liveable, but its negative effects in year 1 can be truly awful.
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I'd argue you either take 1 tick or 3 ticks in temperature, and never 0 or 2.
H0 - half the time at H1 or C1 = 2.5% average income hit.
H1 - half the time at H2 or H0 = 5% average income hit.
H2 - half the time at H3 or H1 = 10% average income hit.
H3 - half the time at H2 = 12.5% average income hit.
Note that its only a 2.5% increased hit from H0 to H1, and from H2 to H3, while H1 to H2 is a full 5% income hit. 2.5% is less than the income hit from sloth or death scales per tick. Sold.
Now, if you have a preferred temperature scale it is *always* worthwhile to max out that scale, regardless of what that preference is. C+1 preference? C3 every time.
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