It's true, capramming just means you have a higher chance of capping your stats, and at earlier levels as well. I suppose it all depends on how you want your character, but I'd still invest a bit more in Luck, lest you want her to be the next Stefan and keep getting criticalled (not a viable choice since she's a Peg and not all that durable).
And yeah, I would spend those six points to make sure she's usable at early levels. A lot of people don't like babying units.