Thanks for all your hard work. Please continue along as you have. I don't like the penalty idea, but seeing as how I've never gotten one, it's not that big a deal. Everything else is fine. I loved 65%, but that was clearly a little too hardcore for everyone. If you take it down to like 75% or 80%, I'll bet you'll find yourself in a happy medium.
I'm currently on a self imposed week long exile from online MP...thought I was getting too attached to it...but starting next Monday night after work, I'll be hitting PSN up again. I can't wait.