Can you get the best random events w/o Luck +3?

[Wendigo]

For SG Etimmu can summon ghosts, act as a SC with Soul Vortex & doesn't cost 35 gems...

There are very few lv4 sites and you have the death ones covered. Not worth it taking 4 just to be able to uncover them. 3 is indeed good, but you can already afford that without taking missfortune.

And regarding fighting you still only have 1 mage with only 5 scripted spells, regardless of his/her might...lv3 or 4 does not make that much a difference.
You would still be restricted to using your pretender for everything when you put all your eggs on one basket, while with a better economy you could just hire a few indep mages freeing a lot of your pretender's time: more battle mages, more ritual casters & more forgers are superior to taking a few skills from 3 to 4...you want to cast spells as if you were lv4 in the field? just hire a couple shamen & communion for better results.

You will have more, and better troops with a better economy also.

In my dead Ermor's experience (mostly from DomI admitedly) a great deal of your chances for success with Ermor rely on maximizing your Pretender's time...you do that through a luck scale that gives you coin for indeps early on, and through a non drain scale that allows you to research the magics to summon magic critters with magic skills later on. How far you go with each has obvious trade-offs, but definitely superior to missfortune & drain in my experience.