Congratulations on the spirit. ;D Yes 105% is a goal but if you can't get to 105% you want to at least hit 63%.I just made a 35% fcr spirit. I thought the goal was the 105% fcr?
I'm also not sure what an insight merc is. Can you explain?
Yes they do mostly for the cold immune monsters. But if you're aiming to do andy/meph any polearm should do. I don't find my merc to be of much use in attacking anything with those two, mostly just there to distract the monsters and provide me with mana. Although eventually you probably wil want to upgrade to an elite polearm. Some people prefer eth threser/giant threser for the speed. Any of the non-eth elite polarms will give you aroun 1500 max damage for the merc. Etheral is much better but also quite expensive. I have two sorceress who have non-eth elitle polearm insights on their mercs and they do ok for killing cold immunes.Do the mercs generally attack? AKA is it necessary to get one of those expensive hard to find 4sock CV's?
He doesn't need to be 92 - but he would need some +STR (generally in helm).An eth CV has a strength requirement of 200 which means that your merc has to be level 92 in order to equip it. Imo find another weapon to put insight in. Great Poleaxe for instance.