Luckstone, 20,000 gp
+1 luck bonus on saving throws, ability checks, and skill checks
Ioun Stone, Pale green Prism, 30,000 gp
+1 competence bonus on attack rolls, saves, skill checks, and ability checks
What other d20 rolls are there? Dispel checks, initiative (perhaps an ability check), SR rolls...
Would 19 be treated like a natural 20?
Treating a 1 like a 2 is certainly nice.
Altogether, it is not something that a feat should give. Perhaps a feat chain of at least 3. Or a capstone of a lucky prestige class.
As a debuff, it seems less painful.
Edit: It is similar to what a negative level gives... takes