they also have like 40% bg skill
Doesn't work like that I tihnk. Ghoul crazies have sg at 80 but hit about 8/10 times (aimed shots) from a long range, no way you can pull that off with 80sg. I think the number you see is the actual chance they have to hit you. Otherwise npc's would miss way more often on you. afcoarse this number lowers with AC, so thats why some critters have above 100 chance to hit (rounded down to 95% always)
Also, I agree with the suggestion. You should just be able to talk to the merc seller and get your mercs back. remember they don't know that you died.
You: Hey where did my mercs go?
Merc seller: wait, what how, they told me you were dead!
You: Well im standing here ain't I?
Merc seller: Well yes, well I guess they just decided to play a prank on you, here they are. Now off you go and have fun with them.