Ghostly Equipment
When a ghost forms, all its equipment and carried items usually become ethereal along with it. In addition, the ghost retains 2d4 items that it particularly valued in life (provided they are not in another creature’s possession). The equipment works normally on the Ethereal Plane but passes harmlessly through material objects or creatures. A weapon of +1 or better magical enhancement, however, can harm material creatures when the ghost manifests, but any such attack has a 50% chance to fail unless the weapon is a ghost touch weapon (just as magic weapons can fail to harm the ghost).
The original material items remain behind, just as the ghost’s physical remains do. If another creature seizes the original, the ethereal copy fades away. This loss invariably angers the ghost, who stops at nothing to return the item to its original resting place.
Why should the ghost's armor count? It specifically mentions weapons, not armor. Weapons do not equal armor.Which seems to me it is either a touch attack and the players armour doesn't count or alternatively it is a normal melee attack, in which case a ghosts armour would count.
javcs said:When a ghost manifests onto the material plane it becomes an incorporeal creature on the material plane, magic weapons without the ghost touch special quality have a 50% chance to interact with the ghost, likewise with magical armors.
If the ghost has a weapon it is using, it is not a natural attack, therefore it is not a touch attack (unless the weapon has a special quality to treat attacks as touch attacks) when it makes the 50% interaction roll. It is a normal attack, using Dex, BAB, and other miscellaneous modifiers/enhancements.
An incorporeal creature’s attacks pass through (ignore) natural armor, armor, and shields, although deflection bonuses and force effects (such as mage armor) work normally against it. Incorporeal creatures pass through and operate in water as easily as they do in air. Incorporeal creatures cannot fall or take falling damage. Incorporeal creatures cannot make trip or grapple attacks, nor can they be tripped or grappled. In fact, they cannot take any physical action that would move or manipulate an opponent or its equipment, nor are they subject to such actions. Incorporeal creatures have no weight and do not set off traps that are triggered by weight.
Why should the ghost's armor count? It specifically mentions weapons, not armor. Weapons do not equal armor.
javcs said:If a ghost's attacks were touch attacks, mage armor and ghost touch armor would be ineffective.
Look at the ghost template for further clarification, not just the incorporeal subtype.