Battle of the probability-altering lucky bums!
Teela Brown (Ringworld) vs. Bink (Xanth) vs. a Harry Potter who accidentally rolled 00 when mixing potions together and got a permanent Felix Felicis potion.
(Note that Bink's talent, despite supposedly being 'protection from magic', appears to be sentient and engineers things to a ridiculous extent. It may actually be protecting him from everything in the long run. After all, the guy hasn't died yet...)
So who of these three's 'luck' trumps the rest?