So, I was bored, so I started looking around SF, and found something interesting.
Two of the characters with the highest luck modifiers in the first gen are opposite genders: Mariabel and Donnel.
So that gets me thinking, "How could I use and abuse this..." and BOOM the answer immediately came into my noggin.
First, we start the game with a +luck and -Anything that isn't speed or defense.
Next, pair up Donnel and Mariabel. Now, if you don't know, or just don't want to check, this will bring Brady to a very hilarious +7 in luck. Now that brings the promoted cap up to 52, meaning GASP! 104% ARMSTHRIFT ACTIVATION RATE? Yup. And luckily, because of Donnel, he has access to that skill. Hello unbreakable weapons,my name is Brady.
BUT! It gets better.
When you pair the lovely and attractive Brady with your equally lovely and attractive +luck Avatar, you get to have a quite ever so lovely Morgan...
Now, I don't know the exact modifier for a +luck Avatar in luck, but I believe it's 5 (don't really know why I think that though...)
So, if that's true, you get a Morgan with +12 luck (hopefully) so, now your luck cap is...57. Now, that's 114% Armsthrift activation. But now you have access to Despoil, so now you have more than half a chance to get a nice money sum, so... Unbreakable weapons+getting money for killing people=infinite money no problems, no dlc. Also, I forgot to mention before, but you also get a great activation rate for Miracle.
So, for other luck uses. As far as I know, 1 point of luck increases your hit and avoid by .5 and critical avoid by 1. So, Morgan is hitting and avoiding for 28 or 29 (don't know if it rounds up or down) and is most likely never getting critical hit upon...
Sure, it's not the best build, but it's the most hilarious one in my opinion.