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Worth it?
Group A: Yes because who cares about gold? it's all about them ducats weapons. course I save gold for repairs on other things like clothes and the latter...
Group B: Yes it is. There's nothing wrong with throwing gold around. After all, gotta spend money to make money.
Group C: Ehh...waste of AP, but I want that luck qq
Group D: Gotta squeeze all the gold I can find...no point in throwing away money...
Group E: What the hell is gold gonna do when I can't kill anythign with it qq
...yeah it's very opinionated. In my perpective, what's 6% crit when I can get way more using enchants that increase crit and even those have more benefits (though there are downsides)...
Though Pyrus is right about luck boost outside of titles, leveling at age range 10~14(+.75/+.5/+.5/+.25/+.25 per level receptively from age 10 to 14), and aging from 10 to 15 (+9 Luck total).