Re: Luck/Turmoil versus Nothing.
It's not the barbarian attacks. PD of 15+ will generally defeat any barbarian attack that you get at Misfortune-2.
The problem is taking Misfortune-3 which gives you Knight parties (like the ones that quest for the Chalice) that appear in a province at random and then expand to adjacent provinces if you don't go kill them. These generally cannot be defeated by any sane PD level.
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"Let your plans be dark and as impenetratable as night, and when you move, fall like a thunderbolt." -- Sun Tzu
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