Sorry for this posting but i can't find noting on this subject
(tried the serch option)
* Where are those ghost you all tolk about.
* I read someware that i can get some nice sword in nessie chest
if that is possible do i have to live the area and reenter or
it can work if you save the game befor cheast and relod.
* Same question on the cheast in bayjin (about the reloading)
The ghosts are on the path between Nessie and Bayjin (where all the huts are), near the sunken ship (the one in the loading scene art).To reset the Nessie treasure, you have to leave and reneter the scene.
As to your third question ... which chest? I think there are a few. If it is the one where you may get the light sword, you probably have to leave the scene to reset it.
Tools for Wizardry(r) 7