Been said before, but... luck vs misfortune

[Zurai]

In the current game I'm playing, with a *positive* Luck scale, I have had

2 brigands (+unrest) bad events
3 flooding (25% pop loss) bad events
2 witch's curse bad events
1 plague bad event
3 "adventursome populace" (-20% pop) bad events
1 famine (20% pop loss, -40 gold) bad event
1 heavy snowfalls (-50 gold) bad event
1 locusts (-100 gold) bad event
1 hurricane bad event

7 +gems good events
1 +500 gold good event
1 free Lore Master good event
2 group of zealots good events
2 light winter tax/unrest good events
1 +5 province defense good event
1 winter crops (30 gold/-15 unrest) good event

1 fertility festival neutral event

So, with +1 luck I had 15 bad events, 15 good events, and 1 neutral event. Nine of the fifteen bad events (60% even) carried huge population loss penalties. Only four of them (26.7%) were what I would call "minor" bad events (witch's curse, -50 gold, -100 gold). Of the good events, 2 (13.3%) were what I would call "major" good events (+500 gold, free Lore Master), while 11 of them (73.3%) were what I would call "minor" good events (the small tax/unrest breaks, the magic gems, and the province defense).

So, for comparison, for spending 40 points on Luck 1, I lost 20% of a heavily populated province population 4 times, 25% of a medium to heavily populated province's population 3 times, and an unnamed but signifigant amount twice. In return, I got a double handful of magic gems and a small amount (630) of gold.

To put it bluntly, that *is not worth it*. The huge population loss events need to A) be MUCH rarer with positive Luck, B) be impossible to get with positive Luck, or C) be counterbalanced by an equal or near-equal chance of the +5000 population event (which I *have* seen once, so I know it exists. That was in a Luck 3 game, though). Currently taking extra Luck is absolutely worthless because it has no discernable effect on decreasing your bad luck, and tends to only get you minor increases of gems or gold.

For the record, this is over the course of 30 turns with Turmoil 3. Yes, I realized Turmoil 3 increases the chances of events happening, but with luck +1 I'm supposed to have a 60/40 good luck/bad luck split on events. It actually came out to 50/50 with the bad events being much, much worse.