Ramsey blocked his first shot, it hit Santos and rolled into Henderson's path. You could say lucky (I'd be hesitant to since no one would have said it was unlucky for us if it hit Santos and went straight to Sneezy), but he should never have been allowed to get that close to the goal in the first place, nevermind have a shot.
You could say the same about last night's goals. Their first was a poor cross but there was no picking them up, their second was just dreadful defending. I'll let you have their third, since it looped up and in. I take the point about when you are on a bad run you don't get the breaks, but a lot of the time that's just down to bad defending/finishing/passing/concentration. An example for Liverpool last season; we hit the post a silly number of times. That stops being bad luck and is just put down to poor finishing after a while. And because we couldn't score, our defensive mistakes and lapses were often more important than they should have been and just conceding one was more of a mountain than it should have been. And as you say, you got your own slice of luck with your goal from the "corner"; but even then Bayern themselves will be disappointed with their defending and letting it bounce in their own 6 yard box.