Well,I pray away between 15% and 20% of my turns,If I get more turns from a riddle I usally pray another 10% of those.I donate a lot,often to the point that i get the statement that
"The gods are now pleased with your donations" And i donate when it would seem i can't afford to part with the little money i have.Charisma may work into the formula as i make a point of working on that after each upgrade.I don't know, Luck must factor in much like i have had my finding skill in excess of 130 many times but have not yet found a unique item.I can't tell you how big the collection of rocks i have found,or how often i find items that are inferior or better yet identical to what i allready have.Don't know if it effects it either but i make a point to post a line in every chat there,roll the dice a few times,participate in the archery tourneyments,joust,and drink at the bar after a hard days adventuring.I am not sure if there is a fast track i just try to work the game the way the gm has laid it out.
By the way the mortal combat challange from the arena don't take any life or turns and are kinda cool.