Hmm... its not too late... BUT

its just three Stat Points. 

In all honesty, there are better ways to spend Epics (not Luck Points, Epic Points) (like Death for instance, avoiding that is nice)

I mean, Ren has lost 9. Granted they weren't to a Fumble (in fact, it took a Critical just to prevent him from losing 3 more than that). Losing Stat Points isn't the end of the world. I mean, every 5 Levels of Zandaka gives you points in Wis and Str. Plus you are only Level 13, you still have a good bit of leveling you can do to get quicker Stat Points. 

If you truly ask for my opinion, I would save the luck and take the blow (it makes for more interesting stuff this way). You will get plenty of Stat Points. Epics are a bit more valuable in my opinion to come by and it takes 2 just to prevent instant death, and trust me, instant death could still happen, especially if one of those swords gets a Critical on you (that's 282 Damage right there) and one to come back from Bleeding Out (if you don't hit Deadly though). 

But what you wanna do is up to you. If you want to use an Epic to prevent the Fumble that's fine (ill roll again, and if its a Fumble I will laugh so hard, cause that could just as well happen). 

But if you ask me, just take the Stat Point loss.