I have built a suit with 3080 luck which I know can get a little higher to 3090 by changing the chest piece to the Armor of Fortune. I am curious though is that really the highest wearable luck or am I missing something. Also, is there a maximum effective luck?
I do know I can raise it slightly, for me as my account is rather young, with the anniversary statue and being in Fel but again are there any temporary additions I'm not thinking of and do any of them matter?
Little bit of a loaded/tricky question.
Do you mean everything factored in even outside of your suit?
If so these non wearable items factor in:
Fel = +1000 luck
Bushido Perfection = +1000 luck
Lucky Statue = +1450 luck --> Might need this confirmed but I think it's 200base plus 50luck per year of acct age (25yr *50 luck = 1250)
Sphinx = 80 (although I've never gotten this)
Keep in mind that UOGuide list needs updating with the Wildfire mask/luck earrings/luck quiver.
On my vet account 22 years old with my luck suit on I'm at 4090 when I hit the statue (visible luck in my bar) which I'm using the Bleu set of jewels over the compassion eye / primal brace (so still could add another 50 from that). I try to hunt in Fel as much as possible so that would be another 1k so total would be 5090.
With all that said... when you look at what luck actually does in the game is it impacts the chance of more/more intense loot (keep in mind this is not always better loot!!!). So that's where you would use that calculator on UOuide to see how much luck you would need for a 100% chance at luck impacting loot which is 3982. So without going too far down the rabbit hole here, I'd argue that the actual max luck (for impacting things) would be 3982 and anything higher than that is just overkill. It's a bit of a separate topic but I've used my max luck suit for many things to test out the results and have 4K+ luck doesn't seem to be anymore beneficial.