You can't turn off Smile of Fortune/Lucky Moments, but you should use the reputation benefit to complete most quests - from Irdrich onwards, costumes are sold at local merchants. The only downside will be the lack of reputation for killing creatures and loot.
Story order (if you're interested):
Motherland
Holy Land: Asee, Eljune, Coba
Holy Land Archipelagos: Avilon, Coldberg, Dragon Ring, Yazes Shard (up to Gorluxor Tower)
Gipat and Defiled Ruins
Kirah (only quests from Warden of the Past take some time)
Misty Lands: Isle of Revelation, Twilight Isle and Rebelion, Frontier, Wandering Island, Cradle (up to Dead City)
Irdrich (up to Tep Pyramid)
Umoir (one of the longest locations; up to Eclipse and Ancient Mound)
Ferris (up to Otherverse in Underground Bunker)
Dane (up to Frontier)
Ammer (up to Observatory)
Demon Lair (Sogot, after that Ammer + Gipat + Umoir + Frontier)
Foul Dale/Umoir (up to Nihaz Citadel)
Irene (can't skip quests)
Suslanger (old city, orc camp, then Pioneer camp)
Eden
Isa
Jirgan (15.0)