Yep, it certainly depends on how one looks at it and what a person counts as important to them when it comes to determining if one is lucky or not. You sum it up well, have a good handle on what you count as luck in your own life.
Chance plays a hand in everyone's life and one must know when to accept it and when a little more input might be needed.
That's also a good point you make. Perspective goes a long way in your ability to handle the things that life throws at you.