LT is annoying since they revamped it, requires WAY too many materials for most classes. in addition to being a brutal grind
And then failing that lose your soul urns which take forever to get.
Sad part is its only really useful for pvp players, as the Colosseum set and soon the Time attack dungeons gives much better gear than what can be crafted.
MS sucks too since drop gear is so much better, basically the same problem LT has, but they're going to be making it a lot better soon with the Chaos patch...
Make life what you want it to be.