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Thad: Possible abuse of your proposal : the #1 ranked player could always keep a 10-point match going in order to minimize the risk.
A solution to your issue (and to the general rating issue) would be : 1) Using the Glicko rating system in order to have a continuous measure of activity. 2) Taking in account the length of the match in the rating adjustements (backgammon sites know how to do that).