pedr
Explorer
Coming a little late to this, but there seems to me to be one significant drawback to this plan (and I'd be interested to know how IH deals with it). Unless I'm significantly mistaken, incorporeal creatures cannot be harmed at all unless they are hit with a magic weapon. If your character cannot carry or use at least a +1 sword, then you'll have whole fights where your tank is doing nothing (well, I guess technically you can aid another but that's not the strongest tactic!) Similarly, an incorporeal touch attack will ignore all of your armour and you will have no access to mage armour, nor to rings of protection or prot vs evil to give you force or deflection bonuses to AC.
Just something else you might have to either accept, or negotiate with your DM. I'm sure there might be others too!
Just something else you might have to either accept, or negotiate with your DM. I'm sure there might be others too!