I also do not think luck affects dungeon town creation.
There can be dungeon towns in the Halls of Mandos and the Nether Realm, neither of which will do you any good at this point.
I have heard all the towns are generated at the start of the game but I don't know for certain. I also have heard the probability of a new town being generated is reduced for each other town that has already been created. So maybe the Halls is full of towns.
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