NPCs won't have luck attributes in HotOE or MoM. CoC p200 optionally allows important NPCs a non-replenishing Luck pool equal to their POW. As Keeper you can give them POW or 0.
In Pulp (p62) Major NPCS are assigned a Luck pool equal to their POW, and their subordinates get POW/2. This appears to be the case in Two_Headed Serpent.
I'm guessing that the expectation is that PCs will roll their Luck at the start of the adventure/campaign. PCs instantiated through the point-build system need to roll, so why not pre-gens.
