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Lucky Charm is shared across multiple characters. You can get some nice drops from it.
Lucky charm was changed a while back that so long as one person has it, anyone can open a container and benefit from it. So you don't need to worry about who is looting stuff. You do have to stack it on one person, though, as it doesn't add up if multiple people have points in it.
Edit: I forgot it also reveals info about enemies, I’m just used to knowing that off hand. More info is revealed the more loremaster you have, so if you like planning carefully there is a purpose.
Lucky charm works on all characters.
Lucky charm, thievery, persuasion, and barter are what I would max on a 4 man party. Sneaking is useless outside a solo run, tk is amusing but unnecessary, and the 1 point in loremaster any elf character gets seems enough to examine for resistances.
Duo lone wolf Lucky charm and thievery always on. Quick save + respec persuasion/barter as needed
Some enemies have colossal weaknesses (or resistances) to certain effects and without Loremaster they are not at all obvious.
It also lets you see what talents, skills and stats enemies have - easier to predict what type of enemy they will be and how they will act.
Lucky charm is cute but honestly not needed.
Gold is really plentiful in the game especially if you use Thievery to pickpocket.
Bartering is also not needed.
Persuasion, Loremaster, Thievery and Telekinesis are imho the most useful.
They give you either options or information you would not have otherwise.
Bartering and lucky charm are not all that needed due to gold being plentiful (buy from vendors) and Sneaking is easily replaced with various sources of Invisibility.
In single player, you're probably going to be doing all bartering with your main, who should logically have Persuasion, not Bartering. If you're playing multiplayer, you're probably not going to bother giving every sellable item to one person. So in essence, Bartering is useless.
Telekinesis is really only useful for Chestmancy. Any time you actually need to move something heavy, Teleportation or a Strength character will suffice. Ever for general use, you'd only need a single point of Telekinesis, at max.
Therefore, you're left with Loremaster. You'll save time and a bit of money on identifying items, and it shows you a creature's initiative, resistances, and abilities. Knowing these stats is quite helpful, especially in Honour Mode.
For example you can effortlessly move multiple barrels/objects to block ladders or stairs and prevent enemies from reaching you.
If an object blocks line of sight you can actually telekinesis such an object between you and an enemy - it will break his line of sight which prevents most attacks and cause them to move.
Obvious things such as tossing oil barrels or other hazardous objects onto enemies or into their path can both debilitate them and cause them to take a much longer pathing route.
Pretty much the only limit of Telekinesis is your imagination... it makes the world so easy to manipulate for fun and benefit.
Lucky Charm is just chance for random gear, more often than not you just sell it because its stats are random and rarely sensible.
You can just buy (or steal) gear from vendors, often with better optimized stats.
I generally use pers/thievery/lucky charm on my party then a mix of lore with bartering or telekinesis on the last character. Or if I am not stealing, I may split lore/thievery and make one character the buyer/seller with barter.
Also, early on, you can use a talent on All skilled up if you like; then respec when you have enough civils for what you want.
I have never added sneak in my life.