This would reflect biology in real life and your base stats from your choice of race and gender in Oblivion. Women at the same time, typically have an easier time compared to men at carrying a light load for a long time, and have a higher pain tolerance (+10 to Endurance). For instance, it is an established fact that as a whole, men are stronger than women (+10 to strength).
Luck continues to provide a benefit if it goes over 100, up to a maximum value of 300. Since the base value of luck is 50, the only time there will be a penalty is when luck is being lowered by a Drain Attribute: Luck spell. In short, Luck's effect varies from -20 (Luck = 0) to +20 (Luck = 100), or +4 skill for every 10 points of Luck. The following table lists the effects of increasing and decreasing luck on a generic skill of level 50: If luck is less than 50, it adds a penalty to all skills. When one's luck is greater than 50, it adds a bonus to all skills. Luck affects a skill's overall performance. Luck will occasionally stop traps from activating until one passes.Luck may or may not affect enemy loot but testing has not been conclusive.The higher the luck, the more health the combatant will have. When betting at the arena, the combatant from the team that was bet on will have higher health based on the luck attribute.
If their luck drops below 50, they have a better chance of catching a disease, to the point where a simple hit from most disease giving creatures will contract a sickness. The Hero has a better chance of resisting disease as their luck increases. Luck affects the chances of contracting diseases.Luck plays a part in other aspects of the game, as well. Because of this, luck will never receive a multiplier when the player gains a level. Luck is an attribute that plays a small part in all skills, yet it does not have a skill of its own.