I know that Loremaster and Lucky Charm don't need to go on the same person; I'm having no problems with it on 2 different companions in my current full-party playthrough. My concern was for my next--or I should say concurrent (I couldn't resist and started it yesterday)--Lone Wolf playthrough, when I have 2 fewer companions to spread points among.
After playing a lot more yesterday, I think it will be doable. Act 1 is tricky because you can't respec, but you also don't need many points in any of these abilities, so it evens out. In Act 2, there seem to be fewer doors than I feared that you need Thievery for in the moment, without being able to respec. If I get lucky with gear, I can bolster my abilities with that. My LW playthrough will lag behind my full-party playthrough by an Act, so hopefully I'll have a decent idea of what's needed beforehand.
We'll see how it goes!
