Re: Luck/Turmoil versus Nothing.
If I'm playing Turmoil/Luck, its usually because i'm already playing S3 H/C3 D3. Ie, big bless territory (Mictlan, Lanka, etc...) or something like LA Ermor (meh, population).
Returns from luck are vastly increased by D3 and M2+, because it opens up a number of big cash events that also come with magic items. T3S3C3D3L3M3 has netted me 6000+gold/year in events in some games, plus gems and magic items. (Not to mention free forts/temples/labs)
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