okay look from this point. the whole objective is to get rid of ragequiters as simple way as possible, since it's rather easy to implement. i have no other idea to make it as simple and effective as ragequit penalty.
there are only 2 conditions to trigger penalty:
1) finals
2) quit/spec/relog/lost connection.
whoever will start to complain about "i had to walk my dog and quit suddenly or what if my cnnection got booted or electricity lost, i'm not guilty! " you are not, but stop being so egocentric. if penalty solution will stop 98% of ragequiters and 2% will be victims of internet connection/situation etc, it's more then great.
when you have a phone call when you play dark souls and some dark spirit invade you do you complain about the game?