Impoverished? I guess stealing isn't something you want to lower yourself into doing then? You only need to regear every 2-3 levels (sometimes much later if you're wearing rings and an amulet that have needed or good bonuses for your build, and a socket) until level 17+ and even then it's almost exclusively going to be a weapon for physical classes. You can also simply hold off until you're a bit through an Act before stealing, since it can only be done once with a single character per vendor, or simply respec two non thieving characters and go on a stealing spree, while you save your fourth for when an act is about finished and the vendors that you'll never access again have higher stocked gear and books.
Yes, I could steal, but I have one thief, and I do not wish to use the exploit where I hire a bunch of disposable mercenaries and have them do the stealing. That's not something which I should have to do.
So without that it's not a long term solution.
I'm not saying there's no wiggle room at all for balancing, but they really need to be careful. The line the between Lucky charm being appealing and lucky charm being not worth taking at all is very thin.
Yes, I agree with this.
Factor in that Lucky Charm and Persuasion, another valuable skill, are both competing for space on your party leader in an optimal setup (at least in single player). Both are skills generally preferred on the party leader, because you never know when a persuasion check dialogue is going to trigger, and having to switch to another party member every time you want to open a container is going to be tedious for most players. Frankly, people willing to micromanage the game that way deserve whatever benefit they derive from it. I'm certainly not.
Yeah, this is probably another one of my issues because my party leader/Avatar is also my Thief, so they have Thievery and no Persuasion or Lucky Charm.