Luck/Agility leaning MC? Luck/Agility leaning MC.
I checked my save file to confirm/disprove this and you're partially right.
First thing I noticed is that I'm actually at a lower level than I remembered, lv. 78. But I did gain around 8 levels since I took on the last boss for the first time.
And my luck attribute is my second highest, 59, following 74 strength. But my agility is my lowest, 46, same as vitality. Magic is only slightly higher, 52.
In SMT2 my agility is 6 and luck is 3, much lower than strength and vitality with 11 each.