Sub_Level
wants to fuck an Asian grill.
Who is this stat for exactly? You're just ruining your character and making the game harder by not investing into better stats. Fallout New Vegas is the only time I put a bunch of points into luck, because your other stats already start at a baseline of Average so luck is just a free bonus to crits & gambling.
Does Luck improve your chance of a critical hit? Just level up strength so you're not relying on RNG.
Does Luck improve your chance of item drops? Games often have accessories to boost this anyway, not to mention you can google optimal farming/crafting methods to get the item needed.
Does Luck make it less likely you are ambushed? Thats not even how RPGs have worked for the past 10 years, even Dragon Quest the most traditional JRPG doesn't work that way anymore you can see the enemy out on the field.