Magicians After Big Bang

Okay, so I understand that after Big Bang, one of the major changes to mages is that MATT works like ATT, so higher-level staves and such are more useful (and potential.) Is it thus recommended to go as low base luck as possible all the way, or perhaps go luckless up until a certain point (maybe 120, since you get access to stuff like HTP at that point) and then convert to as low base luck as possible, for someone who doesn't have much funding? I thought the latter option might be better because apparently other classes also go statless until they convert to low-stat at latter levels. Or is my thinking flawed? Thank you!