Luck and Luck Pool

All characters have access to a pool of Luck based on their Luck attribute. These Luck points can be used a couple different ways at base by either modifying a D20 roll or influencing encounter/item generation D100 rolls. The luck pool is not affected by temporary modifiers to the Luck score, though the Luck bonus is affected for the duration. 
Modifying a D20: Characters can use a luck point on any D20 roll they make, before the result is revealed, to gain a luck bonus to the roll equal to their luck modifier. At base they cannot spend more than one luck point to augment a single roll, and can not spend Luck on checks to create items/rituals/etc. A negative Luck modifier means the characters luck pool is instead used by the GM to adjust any rolls out of their favor.
Influencing Encounter: Characters can use a luck point to influence any random encounter, typically a D100. When doing so the D100 roll is adjusted by an amount equal to the characters luck bonus in their favor. A character may only spend one luck point to influence a roll of this type, however, multiple characters may influence the same roll.
Item/Loot Roll: The combined luck modifier of all parties involved influences any random percentile loot rolls made. This applies at a 1 modifier to 1 percentage ratio. A positive net group modifier increases the loot rolls in the groups favor, while a negative net modifier lowers the rolls.
Percentile Defenses, Debuffs and Effects: The characters luck modifies the result of certain percentile rolls such as fortification, miss chance, concealment, wild magic, confusion, ect. If their modifier is positive the final result is changed a percentage equal to the modifier in their favor. A negative modifier changes the result out of the characters favor.
Critical Rating: A characters luck can influence the severity of any critical effects they trigger. The critical rating of any critical effects a character applies is increased by half the characters luck modifier.
In addition to the above effects of luck, there are various talents and abilities that a character can gain giving them access to more uses for their luck points.