I've yet to get damaged by my ghosts; they are a good source of equipment!
Realistically though, I find them not polished enough. You get an awesome description hinting at what powers it uses. In the end only the St-drain and phasing seem to be a feature. Only a ghost of my thief surprised me by stealing stuff. If I get the time, I'd sketch a full table of what powers can be attributed to what combos - these powers should be much more pronounced per race/class.
They should also scale on level at death.
If anything, I think Strength drain should be removed. Also, power adjustment doesn't really makes sense; however, ghost of level 50 character should be something incredibly hard to kill.
I like my women like my ADOM loot - hunted as treasure and in extra quantity.