Is it just dumb luck that the Monitor design was better suited to taking on the Virginia than its western counterpart?
Not at all. First, the
Monitor was intended to fight against such a target (another ship); and second, the Union was already aware of the intentions to convert the
Virginia when the Ironclad Board convened. While it would be far overstating the case to say that the
Monitor was specially designed to beat the
Virginia (Ericsson's basic design predating the event by years), the threat of the
Virginia was certainly a conscious factor in the Board's deliberations and selections.
Now... A number of people, Ericsson among them, had some misperceptions about how effective the monitors would be against coastal land targets. These ought to have been discarded very quickly after the experience at Drewry's Bluff, but the lessons were not learned, and had to be learned again (and again) at Charleston.
ETA: To cite a very noteworthy contrast, that once again provided lessons that were not adequately learned, when the
Montauk went up against Fort McAllister in early 1863, she did virtually no damage to the fort (at least no damage that couldn't be rapidly repaired), and showed herself vulnerable to damage in several noteworthy ways (most significantly, she had to be immediately beached when she struck a mine). But when the very same ship ascended the same river to attack another
vessel, she was completely successful at it.
As far as the Pook Turtles were concerned, they had some weaknesses that became apparent in use, but the important fact was that they were intentionally designed for the mission they were to be used for, were decently successful at it, and (most importantly) were rapidly made available and ready when they needed to be. (A "Pook Turtle Mk II" would likely have taken some of the weaknesses into account, but things didn't go that way...)