Questions on the aging and death regimen. (Mount Blade 2: Bannerlord)

Having started the campaign in the sandbox, by the 400th day I had lost two factories for the production of children and a dozen companions. And it’s a hell of a lot of fun until the clouds of balance thicken. I no longer have a single living medic or bow / two-handed warrior in my encyclopedia. That is, I can theoretically ditch all available companions. Now the party has a personnel deficit and continuous physical education instructors in all leading positions. Are NPCs like "Wanderer" (wanderer) generally generated in some way during the game, or did the developers forget to add this important feature?
The second point concerns their skill points. The fact is that there are companions with unallocated stats and focus points. I assume they have a higher cost of hiring - 2,400-2,600, but this is an unconfirmed guess. In terms of universal importance, they are similar to the companions from Level 1-5 Warband, from which the necessary builds were cooked during the game.

Who spent more time in this mode, share your observations.