I'd rather have luck as a purely psychological thing, it does have influence on your skills but more because it represents your characters mental state, pain, pleasure, hunger, satisfaction, humiliation, gratification, all those can dynamically raise or lower your luck. Pretty much what makes your char feel better or reassured raises your luck, what makes him feel bad reduces it.
However you could very well play with this too if you can have character traits and have a character who actually enjoys pain to a certain degree, getting hit a few times only makes him get active.
No... sorry but, just no... nothing against you but the "Good and Evil" mechanics should DIE.
however to me it's always kinda amusing when it says "Karma gained" and claims that's a good thing, in Buddhism and Hinduism where the original concept comes from gaining Karma actually is a BAD thing :rolleyes:
Guess the better wording would be "Your Karma improved" and "Your Karma worsened".
Allow luck to persist in the world in real time: I agree with the whole good and evil mechanic, I also would like to see emotions such as the ones above implemented into a cohesive function something more to draw us into the world and our character.