Generally I am a high-risk high-reward type of person - as all the people who keep dieing in my areas (but go in there anyhow) will testify.
On the other hand if you are throwing a mummy in at them at level 1/2 then what will you give them at level 5?
I would be reluctant to put a mummy in at this point simply because it then reduces the impact of all your other undead. 'Bah, its only a ghoul - we killed a MUMMY the other day'.
Why not use something like a plague zombie (with a weaker disease)? Or a Skeletal giant?
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