You can break the opponent's armor - not sure what problems you're running into. The enemy armor scores were reduced in the next version, but the durability remains the same - so in either case it should be possible (even with a thief with 3 Strength) to just break their armor. You can use the Armor Crusher skill for this, but honestly it's possible with any of the stronger attacks like Power Attack.
Not all fight are won by reducing the enemy to 0 HP - this is a porn game, after all. This was changed in the next version - and even in this one, it's not regardless of your stats - beating the Werewolf with a (current) strength under 5, she'll leave you alone. It's only for characters with 5+ (now 8+ in the newer version) that need to defeat her some other way to avoid getting knotted by her.
There'll definitely be magic items and other ways to fight the Ghost - the Golem fight doesn't require magic.