This percentage thing really is getting way too much of a bother. If, at the start of a game, you see that your would be competitors have very low finishing levels, you can stay in the game and almost certainly spend up to fifteen minutes sitting waiting for the program to finally admit that yes, they have quit and aren't coming back. But if you decide to bail BEFORE the game starts, you still get whacked for being a quitter.
A no-win situation.