I discovered a logic error.
At the photo studio path, when Rosie joins in for a 3some, it says indirectly anal, but there is no anal added in the stats.
In general about stats. It is incredible hard to keep luck low, even on very hard. Those events where you get luck, spam just too often in relation to others. In addition, doing stuff like drinking lots of alcohol adds luck too. The coke dealer helps a little, but since coke is capped at 200 and you have to consume it, you get luck again. Streetwork could help, but it is not easily available (and not on each path?) and in the end there is only a 1/3 chance you lose 1 luck.