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As far as i can tell, Luck is a +1 to modify a stat. For instance, a lucky fighter gets a bonus to hit or to save. i'm still not certain whether it affects AC, but i suspect it affects every roll. in the case of spell memorization, it may count as 5% or 10% ?? ::shrug::
There is never really a 100% chance to learn a spell; thre's usually at least a 2% chance of failing. Memorizing lower level spells as a higher level caster seems to help though. (so do those potions of genius)
of course, i always quick save at the inn with a pocket full of potions and a case full of scrolls, before i start memorizing anything. just in case
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