An alternative option to a percentage over time degradation could be to have a fixed rating decrease at a set period of inactivity. It could have a prompt for you to accept or decline when you first log back in. Possibly with different decreases for Global/Ladder/TMM and rank ranges <500/<1k/<1.5k an so on.
The current pre-release of the client ("pioneer" in the version) is only compatible to itself. So you can only play with other testers. Please be aware!
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RE: Rating degradation
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RE: Crashing Mid Game.
Have you tried turning it off and on again?