We too often talk about “the” reformation. Regarding Luther, we have different thoughts on the time when he was finally ok with “starting something new” - won´t go that much in detail as these are even among reformation-focused historians differently seen points. Luther was favorized by some local aristocrats and then started to behave like this, too. At this point, he was already far away from the monk with theological questions. A prof once said in a seminary about reformation that we totally overweight Luthers meaning for the reformation - his main effect was reforming and creating an over-territorial german language through his bible translation.
Then we have persons like Jan Hus, who was, little joke among historians, not a hussite himself. The movement after him created a whole bigger wave than he would have liked it. His issue was the communion of the chalice, not starting a denomination. Calvin was one of the more radical reform-oriented people, ready to leave rome for ever, but also with a theology of his own rather than adapted catholic teaching.
To conclude, the whole early modern time in the region of middle and north europe was in huge power struggles, developping, with raising old and new powers and questioned entities. South europe was not that affected from this, because it was completely different in its power structures and the church was not that in the need to face insecurities, reforms and fights in its authority.
A simple answer is not the best in this case.