i have a simple idea for enviroment:
terrain: field, forest, town. so in theese could have ,,hard terrain,,ex: if you roll a 3 on a dice, you cant use that dice and count as 3 (reuseable if you sacricice a gold,,hiering mercenary,,) so cant use luck on them.
weather:sunny, rainy, snowy, witch do the same as terrain
so in the end you have 9 cards that have a terrain and a weather, of corse terrains and weather have their bonuses of life, gold, luck just by diceface throwing
and shop keepers should have different ,,bonuce,, deals like exchange items for health, health for luck, luck for health, maybe i mod my shops like that for variety, but i deffinitely make my enviroment cards for myself.
oh and enviroment items like rubber boots=rain resist etc.