Low accuracy weapon is not the problem if you use surprise attacks properly (damage augument is asking for trouble IMO). Sometimes it’s also just not worth it killing an enemy.

I also see a disintegration wand in your hotbar, should have used that as AOE to finish off the ghouls.

Once you learn to play around enemies to avoid hits, you will find that you need shockingly little armor. While you’re learning that, by all means do invest a bit more if it helps you