? about luck=
Do I have to have the luck gear on at beginning of fight? Or is it checked with each hit during the fight? Or when the final blow is casted?
Just got SOP was just wondering if it made a difference as to when i would equip them?
my scrappers is my mages preffered arm,since I am building a luck suit just wanted to know a bit more about when and why.

Also on insuring items.If I am not currently carrying the item on me.Say its in my bank when I die am I still paying the price to autoremew that item?
Also if I pick up or purchase an item that has been insured by another but the item is now in my possesion.What are the effects on that item? will it go back to them? Will I piggyback my new items insurance off of them? A bit confused......
ty

You just need to wear the luck suit before the MOB dies.

If you're not carrying it or wearing it, you don't pay insurance when you die.

If you buy or pick up an already insured item, it is yours. If you die, you will pay the insurance and the item will be in your backpack when you rez.