Would it be possible just to leave Incorporeal but make her vulnerable to magical attacks? Maybe you can also arrange for high level monsters (if such exist) to do -20% of normal damage as well (we'll assume that they are experienced enough to augment every attack with magic...).
I hated Incorporeal trait since someone captured an Incorporeal girl who got pissed at me in the dungeon and killed 4 of my best gangs, beating the crap out of "Player" in the process

What you think about the above?
I am frantically reading every book and listen to every video I can find on C++ while I am on vacation so with any luck, I'll be able to help you out a bit in the future. Also there is talk on Russian forums about taking over development of WM to create a good and complete Russian version, I think there are two decent programmers who are interested at the very least. I think they've even asked Necros for permission already

Maybe we'll see some new changes after all (they seem nice enough to share the code (if anything gets done that it and it's just not random talks)).