But you are forgetting that if the GM allows the players to assign their stats in the Boot Hill most will put the largest number in the luck trait. You get shot in the head, even with that Buffalo Rifle, character make his luck save, something intervened to cause the shot to miss. Thought the player does need to come up with a convincing reason.
As to games like C&S, IIRC there is die roll method for character stats. My group had a player in it who was uncannyily lucking when it came to roll dice for stats, and he was the very definition of a munchkin (POWER player). So, you see the munch effect can slip into any game. Though I cannot speak for Fantasy Earth. It all depends on, as stated above, how strong the GM wants to be with their players...not the game system. Nothing is foolproof.
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In the Praetors Name!