Lucky Charm is an easy civil skill to get. Just choose 1 of your 4 toons to stack Lucky Charm, and it's a party wide benefit. You don't need to specifically loot with the toon that has it.
That leaves you room to stack Thievery on a 2nd toon. Persuasion on a 3rd that you feel has the best array of tags.
The 4th toon needs only be a hybrid between persuasion (to mitigate the chances one of your toons doesn't have an available tag).
Items can be identified at a merchant, so Loremaster is only a Quality of Life skill so doesn't need to be specialized. Telekinesis doesn't need much (if any) investment because teleport works better. Bartering might be good, but easier to just donate trash items to vendors to get their attitude up. Sneak might be a good 4th toon option, but still not that important depending upon playstyle.
And too, don't forget that civil skills can be enhanced by gear as well.
And on top of all that... you can respec your civil skills at any time with the mirro on Lady Vengeance. So always have one toon maxed with Lucky Charm, and the others waypoint/pyramid to the mirror and respec civil skills as needed. Not that difficult.
