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If you were into power gaming however the trick would be to make a custom class for your character on creation that one of their two favoured attributes are luck so you start with 50. Make one of your three bonus stat gains luck every time you level up and you'd have 100 by Lv.51.
It'll look like you're wasting the multipliers and you would be, but when your favourite stats are maxed out you wont be regretting having low luck and no way to fix it.
Getting 10 training lessons in the same miscellaneous skill will guarantee that you'll receive a 5x multiplier to improving whichever attribute governed it. Doing that to two different skills of different governing attributes, between as many level-ups as affordable, will ensure that investing in Luck will not slow your character down. Switch it up, and stick to training in skills you aren't proficient in. That way, the costs of training stay cheap and managable.
By level 51, you'll be thanking yourself when everything feels... just a bit easier.
P.S. To make people like you, hold out your weapon. Talk to them. Bribe them 10 gold at a time until ~70-80 Disposition. (Bribing 100 gold is a rare necessity.) Then admire them to 90 Disposition. Go back to bribes if you drop below 70-80. Repeat until you're 90+. Then sheathe your weapon. They'll shower you at 100 Disposition with great discounts.
If your luck is high enough, merchants will actually pay you money to buy things from them. Luck, like lots of Morrowind things, is pretty broken at high levels.