Ghosts don't have a Strength score. Not because of the template itself, but due to the incorporeal subtype.
That's what I thought until I saw that example ghost in MM does...
Never go by the examples. They're wrong more often than they are right.
Let's reopen this discussion. Ghosts do have strength score. Nothing in their description says that they lose it. You only lose con.
An incorporeal creature does not have a physical body and a strength score. However, ghosts only become incorporeal when they manifest. Their body remains on the ethereal plane.
[spoiler]http://www.wizards.com/default.asp?x=dnd/rg/20041012a
Ghosts
Thanks to its manifestation power, ghosts get most peoples' votes for the most troublesome denizens of the Ethereal Plane. The most important thing to remember about a ghost is that it is ethereal, not incorporeal, until it uses its manifestation power to move onto the Material Plane. Once a ghost does so, it becomes an incorporeal creature on the Material Plane, though it also remains on the Ethereal Plane as well. Although the ghost template lists the ghost as an incorporeal creature, it is not incorporeal until it manifests and even then it is only incorporeal with respect to the things on the Material Plane. To anyone or anything on the Ethereal, even a manifested ghost is corporeal.
[/spoiler]
Nevertheless, the ethereal plane has no gravity. This means that the 2 str probably does not affect you.
This is where the spell ghost trap (SpC) comes, making you corporeal (no SR no save). You lose the benefits of incorporeality; losing the deflection bonus to AC.
This is your gear:
9 lb - longspear
3 lb - hexbands
1 lb - vest of resistance+6 (this item does not exist, +5 is max)
2 lb - cloak of cha
1 lb - cloak of turn resistance
You're carrying 16 lb of gear. At 2 str, this is heavy load. At heavy load, your max dex is +1 and your speed is reduced to 20 ft. You lose your monk AC bonuses.
When your foe is further than 30 ft. away, you're also effectively blind, losing the dodge and arcane duelist bonuses.
We're facing an AC of 10.