I would argue as a Universe itself, I think Earth-65 is much more interesting than the Ultimate Universe. Character and story wise, Ultimate would win by a long shot just by nature of it having so much and being so much more defined. Outside of Spider-Girl I haven't read any of the other MC2 stuff, and again outside of the character and story-work, Universe-wise I like Earth-65 a bit more.
I took that comment of Gwen fighting as a ghost as them jokingly referring to what she will end up being then as a direct tease, mainly cause I know Latour & Rodriguez have poked fun at it in the past. Plus, I'm glad they didn't officially make her that now, because it's so much more satisfying [spoil]seeing her end the series by saying "I am Spider-Gwen."
My prediction is that Gwen, the Mary Janes, and George will all still live in Earth-65, but Gwen decides to travel to Earth-616 so she can fight crime as the "Ghost-Spider". And yeah, she'll need her stuff back anyway, considering she also needs her dimensional travel watch back for Spidergeddon (she realllllllly needs to stop losing that).