Luck?

[The Panther]

Manuk said:
On a turn I was reading messages: Faithful people built a temple for me in province x.
There was no temple there...
So I read next message: An earthquake or something destroyed my temple in province x.(I wonder if those faithful lied me 2 times or I´m just unlucky because I never saw the damn temple)

The events happen in the order listed in the message screen. Thus, your faithful servents built a temple. It existed in cyber space only until the earthquake immediately destroyed it.

In the base game (without mods), the turmoil/luck setting does not work very well at all. The bad events still happen with alarming regularity while the good events are not anywhere near on a par with the bad events. I mean, 5 air gems in a mirror is certainly not compensation for your arcane laboratory burning down and losing the 200 gold plus all the mages who cannot research or construct artifacts for a whole turn.

You are far better off going order + mistfortune. Avoid mistfortune 3, as there are some really, really bad events that can happen only at the level 3 setting. Losing half your popoulation in your capitol on Turn 2 is a real killer indeed.

[Agrajag]

The Panther said:
In the base game (without mods), the turmoil/luck setting does not work very well at all. The bad events still happen with alarming regularity while the good events are not anywhere near on a par with the bad events.

Sometimes when I play SP with Ermor, I take Luck 3, and with Luck 3 I rarely ever get a bad event, and all of those are just because of the extreme death scales...
Usually its just gems, and quite often the 500-1500 gold events, though I do get a lot of "bad" milita events :\

[Kuritza_Dru]

You forgot to mention that some of the 'good' events are actually harmful. Like hordes of militia in some distant province that you will have to pay upkeep for.

[Manuk]

Turmoil 1 and luck 3 in 10 provinces or more is almost certain that a good event is happening every turn. Sometimes I got 2 gem events the same turn. I got money and milittia too (this is not so harmul since the upkeep cost is small).
The best is the new gold or copper mines, the commanders joining, the 1500 gold, and the free buildings.
I don´t think luck is terribly necesary for competitive play but feels nice to be lucky.