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You can't have one without the other. Both are important. One question you should ask, before you start work on a project, is how the characters and the story fit together. In you example, would your character's arc be shaped by being lucky? If that bit of luck will cause them to change, then you could get away with it. ("If it wasn't for that, I wouldn't appreciate my life!") A bit cheesy, but it can work.
One suggestion: try writing short stories. I learned a great deal about writing (and still do every so often) by writing short stories. You don't have to worry about what to do with them. Just write to practice your craft.
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