Re: What generates gems?
Dominion spread affects the early game. All test nations should have equal dominion, and preferably not too high. Dominion 9 will take a long time spreading everywhere, because the provinces have to max out before the extra faith "spills over". I suggest using dom 6.
Luck nations will be vulnerable to bad events early on, and Misfortune nations may get good good events, before the dominion has spread and scales have set. Running the games for longer will descrease the dominion factor, but there's bigger chance of province rebellion etc.
EDIT: I've been testing MA Ulm, Luck 3 Drain 3. You still get gem events, but magic items and mages are rare, and I think you get fewer gems but that could be just a feeling. Luck 3 was about equal to Order 3 as far as generating income over time goes, when you've only got few provinces, in addition to the other events. And Production happens to work well with Luck, because the mine events and traders' guilds give you permanent boosts to income and/or resources.
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