Luck: That’s How I Roll

I admit it. I like luck mechanics. I like the Bennies in Savage Worlds, Inspiration in 5E, and Dungeon Crawl Classics Luck and Fleeting Luck rules. So as I sit here pondering various house rules and hacks for upcoming Swords & Wizardry campaign, my brain started thinking about adding some sort of Luck Mechanic.
Now I know it isn’t “old-school” I get that but I do like that extra bit of punch it can add to a session and it avoids that annoying one-bad-roll-kills-you thing. So I started thinking about those mechanics that I mentioned before plus some others that have crossed my gaming path over the years and here’s what I came up with.
At the start of each session, each player gets one Luck Point. No carryover from the previous session.
Using Luck Points: Spending a Luck Point before you roll grants Advantage on a d20 roll. Advantage/Disadvantage is pretty cool and simple bit from 5E. I like it and it’s been fun at the table. If the player spends a Luck Point after they roll then the player can reroll but must take the second roll even if it is worse and Natural 1’s cannot be rerolled. The player may only spend one Luck Point per “action”. A Luck Point may also be spent to heal one HD worth of HP.
Gaining Luck Points: The rule of cool is in force here. Do cool stuff. Keep the game and story going. Make everybody at the table laugh. That sort of thing. I know players should be doing that sort of thing anyway but if there’s an incentive to do it then it’s more likely that players will do cool things.
Losing Luck: If the player rolls a Natural 1 on a d20 (except Initiative if that’s what you use). The player gives all of their remaining Luck Points to the GM who gets to use them for the monsters/NPC’s. See Luck ain’t a free ride.

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