Exactly as you say —it’s a crazy mixed-up mess. On one hand, Luther’s criticism of Catholic practices of that time was completely just. I remember that when we learned about it in history classes (Jan Hus, Luther, and protestantism as the primary cause of thirty years’ war), even for a kid that I was (10–11 I guess), that whole “indulgences industry” was clearly out of tune with Christian message. However, the problem Luther had was that he didn’t realize that he based his reformation on an already twisted message (Constantine Bible). I can understand that he did not have the resources we have today, but if he were not a textbook antisemite (I wonder if that was Saul’s influence, too), he would either learn Hebrew, or at least ask a Jewish rabbi to translate the original Old Testament for him. That may have been a real reformation.