Oh thanks for the reference page,
Took me a while to get my head around reading it, Now i can answer my own questions!
Looking at it I observe that the cittas that are accompanied by panna but without karuna are maha-vipaka cittas and the upper jhanas only (attained through meditation or magga cittas). My superficial understanding of vipaka cittas is that they are conditions by the volition of the Maha-Kusula cittas, thus do not contribute in karma. Maha-Kusula on the other hand do contribute in karma so for daily practice i shall opt to focus on those types of citta.
In appears that other cittas such as maha-kirya and maha-kusula cittas do not have cittas that arise with panna and without karuna. The implications for me would be... that in daily life the practice of proper panna should not be lacking in Karuna. If indeed there is a lack of Karuna, then should we be clear then that there is no proper panna arising with it and what is mistaken to be panna really is moha. This investigate is really to simplify things for me. Thus to practice proper panna could be to hit two birds with one stone, both panna and karuna are covered!
I do ponder as having maha-kusula cittas with karuna and without panna...what would be a daily example of such?